| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFR. AND BUS. ASSOC. INS. AGENCY3 | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $199 | $0 | $199 | 9.01% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC. | 262 CHESTNUT STREET, SUITE 200 MEADVILLE, PA 16335 | VISION BENEFITS OF AMERICA | $44 | $0 | $44 | 1.99% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC. | 262 CHESTNUT STREET, SUITE 200 MEADVILLE, PA 16335 | DELTA DENTAL OF PENNSYLVANIA | $0 | $0 | $0 | — |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVORY INC | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | — |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 0 | $0 |
| Vision | VISION BENEFITS OF AMERICA | 112 | $2K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 0 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.