| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER HEALTH PLAN | $6K | — | $6K | 6.06% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER QUALITY OPTIONS, INC. | $5K | — | $5K | 4.82% |
| GRECO, CARA L.3 | PO BOX 84 BETHEL PARK, PA 15102 | HIGHMARK | $616 | — | $616 | 2.14% |
| USI INSURANCE SERVICES LLC3 | 300 CORPORATE CENTER DRIVE SUITE 303 CAMP HILL, PA 17011 | GUARDIAN LIFE INSURANCE CO. | $2K | $1K | $3K | 11.15% |
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 | 60 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 60 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GEISINGER HEALTH PLAN | 15 | $220K |
| Dental | GUARDIAN LIFE INSURANCE CO. | 46 | $29K |
| Vision | GUARDIAN LIFE INSURANCE CO. | 46 | $29K |
| Prescription drug | HIGHMARK | 2 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46 | — |
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.