| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 940 ADAMS STREET SUITE G BENICIA, CA 94510 | NATIONAL UNION FIRE INSURANCE COMPANY OF PA | $12K | — | $12K | 5.00% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | AMERICA UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 5.96% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-2164154 TPA | Claims processing; Contract Administrator; Participant communication Service code 12 | 980 JOLLY ROAD BLUEBELL, PA 19422 | $133K |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $174K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $174K |
| Life insurance | AMERICA UNITED LIFE INSURANCE COMPANY | 204 | $185K |
| Short-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 204 | $185K |
| Long-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 204 | $185K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PA | 254 | $234K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PA | 254 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.