| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A J KUZNESKI JR INC3 Filed as: AJ KUZNESKI JR INC | 19 NORTH 6TH STREET INDIANA, PA 15701 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO | 1305 WALT WHITMAN ROAD STE 310 MELVILLE, NY 11747 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| VIZIENT INSURANCE SERVICES LLC3 | 290 E JOHN CARPENTER FWY IRVING, TX 750622730 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 NONE | Contract Administrator Service code 13 | — | $57K |
| HIGHMARK EIN 23-1294723 NONE | Contract Administrator Service code 13 | — | -$332K |
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 | 955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 677 | $167K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,077 | $269K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 844 | $136K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,077 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,077 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.