| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRACKBILL BENEFITS LLC3 Filed as: BRACKBILL, ANDREW | 244 SILVERWOOD DRIVE LITITZ, PA 17543 | WESTPORT INSURANCE CORPORATION | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | SUITE 500 3600 AMERICAN BLVD W BLOOMINGTON, MN 55431 | HIGHMARK BLUE SHIELD | — | — | $0 | 0.00% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 276 | $87K |
| Vision | HIGHMARK BLUE SHIELD | 246 | $17K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 194 | $130K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 194 | $130K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 194 | $130K |
| Prescription drug | WESTPORT INSURANCE CORPORATION | 153 | $162K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 153 | $162K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.