| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | PO BOX 976 GROVE CITY, PA 16127 | HIGHMARK INC. | $43K | — | $43K | 3.88% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | PO BOX 976 GROVE CITY, PA 16127 | THE GUARDIAN LIFE INSURANCE COMPANY | $10K | $4K | $15K | 15.13% |
| ACRISURE LLC3 Filed as: ACRISURE MID-ATLANTIC PARTNERS | 1265 DRUMMERS LN STE 300 WAYNE, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.02% |
| DJME VENTURES, INC.3 Filed as: DJME VENTURES INC | PO BOX 976 GROVE CITY, PA 16127 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 22.50% |
| DJME VENTURES, INC.3 Filed as: DJME VENTURES INC | PO BOX 976 GROVE CITY, PA 16127 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 21.25% |
| DJME VENTURES, INC.3 Filed as: DJME VENTURES INC | PO BOX 976 GROVE CITY, PA 16127 | COMPANION LIFE INSURANCE COMPANY | $447 | — | $447 | 22.52% |
| DJME VENTURES, INC.3 Filed as: DJME VENTURES INC | PO BOX 976 GROVE CITY, PA 16127 | COMPANION LIFE INSURANCE COMPANY | $22 | — | $22 | 14.77% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $11 | — | $11 | 7.38% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 106 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 185 | $97K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 185 | $97K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 185 | $97K |
| Short-term disability(4 contracts) | COMPANION LIFE INSURANCE COMPANY | 22 | $22K |
| Prescription drug | HIGHMARK INC. | 106 | $1.1M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 185 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.