| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $102K | — | $102K | 8.87% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $92K | — | $92K | 8.91% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $59K | — | $59K | 8.73% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $20K | — | $20K | 8.99% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $813 | — | $813 | 9.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $450 | — | $450 | 9.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED ADMINISTRATORS, INC. NONE | Contract Administrator Service code 13 | PO BOX 26908 SAN FRANCISCO, CA 94126 | $60K |
| NORTHWESWT PA MAE CORP EIN 25-1533296 AFFILIATED CORP | Other services; Direct payment from the plan; Other commissions Service code 49 | 2171 W 38TH STREET ERIE, PA 16508 | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 6,374 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts) | DELTA DENTAL OF PENNSYLVANIA | 4,663 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,663 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.