| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARTMAN EMPLOYEE BENEFITS3 Filed as: HARTMAN EMPLOYEE BENEFITS, INC. | P.O. BOX 1087 WILLIAMSPORT, PA 17703 | HIGHMARK, INC. | $47K | — | $47K | 5.00% |
| EXECUTIVE INSURANCE ADVISORS LLC3 Filed as: EXECUTIVE INSURANCE ADVISORS, INC. | PO BOX 59816 POTOMAC, MD 20859 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 5.16% |
| RICHARD DEFLURI3 | 232 REGENT COURT STATE COLLEGE, PA 16801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 2.78% |
| MEDICAL GROUP INSURANCE SERVICES5 | 1849 WEST NORTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 0.10% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 187 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 144 | $942K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $168K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $168K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $168K |
| Prescription drug | HIGHMARK, INC. | 144 | $942K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.