| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | — | AETNA LIFE INSURANCE CO. | $5K | $321 | $5K | 5.20% |
| MANUFACTURER & BUSINESS ASSOCIATION3 Filed as: MANUFACTURER ASSOCIATION INSURANCE | 2171 W 38TH STREET ERIE, PA 16508 | AETNA LIFE INSURANCE CO. | $83 | — | $83 | 1.21% |
| HART MCCONAHY & MARTZ INC3 | 2562 W 12TH STREET 250 ERIE, PA 16505 | AETNA LIFE INSURANCE CO. | $22 | — | $22 | 0.32% |
| THE DJB GROUP3 Filed as: DJB GROUP INC | 231 CHESTNUT ST, STE 410 MEADVILLE, PA 16335 | AETNA LIFE INSURANCE CO. | $2 | — | $2 | 0.03% |
No Schedule C service providers reported on this filing.
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 | 451 | 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) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AETNA LIFE INSURANCE CO. | 402 | $93K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 49 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.