| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HELMBOLD & STEWART INC3 Filed as: HELMBOLD STEWART INC | 12 S 3RD STREET CLEARFIELD, PA 16830 | HIGHMARK CASUALTY INSURANCE COMPANY | $37K | — | $37K | 12.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | SUITE 310 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | PRUDENTIAL | $15K | — | $15K | 9.45% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUES SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $126 | $126 | 0.08% |
| HELMBOLD & STEWART INC3 | 12 S 3RD ST CLEARFIELD, PA 168302325 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 5.25% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE STE 215 PLYMOUTH MTNG, PA 194621069 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 3.00% |
| HELMBOLD & STEWART INC3 | 12 SOUTH THIRD STREET CLEARFIELD, PA 16830 | VISION BENEFITS OF AMERICA | $1K | $3K | $4K | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INSURANCE GROUP EIN 23-1294723 SERVICE PROVIDER | Contract Administrator Service code 13 | ONE PASQUERILLA PLAZA JOHNSTOWN, PA 15901 | $268K |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 102 | $47K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 102 | $67K |
| Life insurance | PRUDENTIAL | 361 | $154K |
| Long-term disability | PRUDENTIAL | 361 | $154K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 317 | $309K |
| Other | PRUDENTIAL | 361 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.