| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $102K | — | $102K | 8.82% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $78K | — | $78K | 8.99% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $73K | — | $73K | 8.98% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $20K | — | $20K | 9.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $17K | — | $17K | 8.76% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $13K | — | $13K | 9.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 9.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | DELTA DENTAL OF PENNSYLVANIA | $447 | — | $447 | 9.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CW BREITSMAN NONE | Contract Administrator Service code 13 | THREE GATEWAY CENTER, STE 1625 PITTSBURGH, PA 15222 | $62K |
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 | 6,963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(8 contracts) | DELTA DENTAL OF PENNSYLVANIA | 4,650 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,650 | — |
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.