| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC Filed as: CONSOLIDATED BENEFITS INC. | 2500 ELMERTON AVENUE HARRISBURG, PA 17110 | USABLE LIFE | $4K | — | $4K | 2.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $288K |
| ZENITH AMERICAN SOLUTIONS INC. EIN 52-1590516 NONE | Contract Administrator Service code 13 | — | $143K |
| COHEN WEISS AND SIMON LLP EIN 13-1592323 NONE | Legal Service code 29 | — | $113K |
| CONRAD SIEGEL CO EIN 23-1669823 NONE | Actuarial Service code 11 | — | $110K |
| AMERISERVE EIN 25-1689052 NONE | Custodial (securities) Service code 19 | — | $66K |
| UNITED CONCORDIA EIN 25-1687586 NONE | Claims processing Service code 12 | — | $26K |
| CYPHER & CYPHER EIN 25-1385288 NONE | Accounting (including auditing) Service code 10 | — | $12K |
| KOSMERL & COMPANY P.C. NONE | Accounting (including auditing) Service code 10 | 535 NORTH FIFTH STREET READING, PA 19601 | $8K |
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 | 538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 430 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 979 | $169K |
| Short-term disability | USABLE LIFE | 979 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.