| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILBERT INSURANCE AGENCY INC3 | 30 E STATE STREET SHARON, PA 16146 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GILBERTS INSURANCE AGENCY INC Filed as: GILBERTS INSURANCE AGENCY | 30 E STATE STREET SHARON, PA 16146 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 7.92% |
| GILBERT INSURANCE AGENCY INC3 | 30 E STATE STREET SHARON, PA 16146 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 5.00% |
| GILBERT INSURANCE AGENCY INC3 | 30 E STATE STREET SHARON, PA 16146 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.02% |
| ZACHARY SABO3 | 7676 HAZARD CENTER DRIVE, SUITE 600 SAN DIEGO, CA 92108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $993 | — | $993 | 121.25% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 176 | $106K |
| Vision | VISION BENEFITS OF AMERICA | 134 | $33K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 291 | $7K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 291 | $819 |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 263 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.