| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRISSORA & ASSOCIATES LLC3 Filed as: FRISSORA & ASSOCIATES, LLC | 103 BRADFORD RD WEXFORD, PA 15090 | SWISS RE | $27K | — | $27K | 11.84% |
| MERITAIN HEALTH5 | 350 MAIN ST BUFFALO, NY 14202 | MERITAIN HEALTH | — | $46K | $46K | — |
| FRISSORA & ASSOCIATES LLC3 Filed as: FRISSORA & ASSOCIATES, LLC | 103 BRADFORD RD WEXFORD, PA 15090 | MERITAIN HEALTH | — | $27K | $27K | — |
| AMCA SYSTEMS, LLC5 | 101 BRADFORD RD WEXFORD, PA 15090 | MERITAIN HEALTH | — | $7K | $7K | — |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 98 | $0 |
| Stop-loss / reinsurancereinsurance | SWISS RE | 98 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.