| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIER #1 BENEFITS LLC3 Filed as: TIER 1 BENEFITS LLC | P O BOX 211 YOUNGWOOD, PA 15697 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $100K | — | $100K | 37.91% |
| BRIAN STRENKO3 | 469 MT HOPE RD SOUTH FORK, PA 15956 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $67K | — | $67K | 25.53% |
| LAUREN OLSZEWSKI3 | PO BOX 56 HUNKER, PA 15639 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.49% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $860 | — | $860 | 0.33% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| TIER #1 BENEFITS LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | BEAZLEY INSURANCE COMPANY INC | $15K | — | $15K | 15.00% |
| ASCRIBO LLC3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | BEAZLEY INSURANCE COMPANY INC | $7K | — | $7K | 7.00% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.21% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $942 | — | $942 | 10.00% |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BEAZLEY INSURANCE COMPANY INC | 130 | $99K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 316 | $132K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 524 | $339K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 22 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 524 | $38K |
| Other(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 524 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.