| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | HEALTHAMERICA OF PENNSYLVANIA, INC. SELF-FUNDED | $43K | — | $43K | 10.85% |
| SIMPSON MCCRADY BENEFITS LLC3 | 1320 GRANT BUILDING PITTSBURGH, PA 15219 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 8.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHAMERICA OF PENNSYLVANIA, INC. EIN 62-1411933 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | 750 PRIDES CROSSING, SUITE 200 NEWARK, DE 19713 | $102K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 | Claims processing; Contract Administrator Service code 12 | 4401 DEER PATH ROAD HARRISBURG, PA 17110 | $16K |
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 | 615 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHAMERICA OF PENNSYLVANIA, INC. SELF-FUNDED | 615 | $401K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 370 | $214K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 370 | $214K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 370 | $214K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 370 | $214K |
| Stop-loss / reinsurancereinsurance | HEALTHAMERICA OF PENNSYLVANIA, INC. SELF-FUNDED | 615 | $401K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 370 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.