| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC Filed as: CONSOLIDATED BENEFITS INC. | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $6K | — | $6K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $813K |
| GEMGROUP EIN 25-1139840 NONE | Contract Administrator Service code 13 | — | $138K |
| CONRAD SIEGEL CO EIN 23-1669823 NONE | Consulting (general); Actuarial Service code 11 | — | $102K |
| AMERISERVE EIN 25-1689052 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $44K |
| UNITED CONCORDIA EIN 25-1687586 NONE | Claims processing Service code 12 | — | $35K |
| MCNEES WALLACE & NURICK EIN 23-1256003 NONE | Legal Service code 29 | — | $25K |
| SPEAR WILDERMAN EIN 23-2331913 NONE | Legal Service code 29 | — | $16K |
| KOSMERL & COMPANY P.C. NONE | Accounting (including auditing) Service code 10 | 535 NORTH FIFTH STREET READING, PA 19601 | $13K |
| CYPHER & CYPHER EIN 25-1385288 NONE | Accounting (including auditing) Service code 10 | — | $10K |
| EXPRESS SCRIPTS NONE | Other fees Service code 99 | 401 LIBERTY AVENUE PITTSBURGH, PA 15222 | $0 |
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 | 790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 298 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 3,697 | $288K |
| Short-term disability | USABLE LIFE | 3,697 | $288K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 744 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,697 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.