| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 139 BUICK LANE HUNKER, PA 15639 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.14% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1200 MACARTHUR BOULEVARD, SUITE 105 MAHWAH, NJ 07430 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 15.08% |
| BRIAN STRENKO3 | 469 MOUNT HOPE ROAD SOUTH FORK, PA 15956 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.21% |
| LAUREN OLSZEWSKI3 | PO BOX 56 HUNKER, PA 15636 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.58% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANGAGEMENT | 8081 KINGSTON PIKE, SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $712 | $0 | $712 | 0.33% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 211 YOUNGWOOD, PA 15697 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 5.68% |
| TIER1BENEFITS, LLC3 | PO BOX 211 HUNKER, PA 15639 | BEAZLEY INSURANCE COMPANY INC | $11K | $0 | $11K | 18.00% |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $115K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $115K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 452 | $462K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 452 | $462K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 452 | $462K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 452 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.