| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIER #1 BENEFITS LLC3 Filed as: TIER 1 BENEFITS, LLC | PO BOX 211 YOUNGWOOD, PA 15697 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 11.36% |
| BRIAN STRENKO3 | 469 MOUNT HOPE ROAD SOUTH FORK, PA 15956 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.57% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3 CORPORATE DRIVE CLIFTON PARK, NY 12065 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.15% |
| LAUREN OLSZEWSKI3 | PO BOX 56 HUNKER, PA 15639 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.48% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK, SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $826 | $0 | $826 | 0.33% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 9.35% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $0 | $5K | 4.59% |
| TIER #1 BENEFITS LLC3 Filed as: TIER 1 BENEFITS, LLC | PO BOX 211 YOUNGWOOD, PA 15697 | BEAZLEY INSURANCE COMPANY INC | $13K | $0 | $13K | 16.42% |
| ASCRIBO LLC3 Filed as: ASCRIBO, LLC | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | BEAZLEY INSURANCE COMPANY INC | $3K | $0 | $3K | 3.68% |
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 | 468 | 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) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 291 | $119K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 395 | $418K |
| Short-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 395 | $418K |
| Long-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 395 | $418K |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 395 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.