| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVEVIC BENEFIT CONSULTANTS, INC.3 | 902 S CENTER STREET P.O. BOX 972 GROVE CITY, PA 16127 | HIGHMARK, INC. | $36K | — | $36K | 3.95% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 | 902 SOUTH CENTER STREET P.O. BOX 976 GROVE CITY, PA 16127 | GUARDIAN | $4K | $5K | $9K | 16.37% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFITS CONSULTANTS, INC. | 902 S CENTER STREET GROVE CITY, PA 16127 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 14.94% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 | 902 S CENTER STREET P.O. BOX 976 GROVE CITY, PA 16127 | HIGHMARK, INC. | $433 | — | $433 | 3.88% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 144 | $920K |
| Dental | GUARDIAN | 99 | $54K |
| Vision | HIGHMARK, INC. | 118 | $11K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | 170 | $45K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | 170 | $45K |
| Prescription drug | HIGHMARK, INC. | 144 | $920K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | 170 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.