| 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 | $42K | — | $42K | 12.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | SUITE 310 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | PRUDENTIAL | $16K | — | $16K | 9.36% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUES SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $129 | $129 | 0.08% |
| EMERSON REID LLC3 | 1305 WHITMAN RD, SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 13.00% |
| HELMBOLD & STEWART INC3 | 12 SOUTH THIRD STREET CLEARFIELD, PA 16830 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INSURANCE GROUP EIN 23-1294723 SERVICE PROVIDER | Custodial (securities) Service code 19 | ONE PASQUERILLA PLAZA JOHNSTOWN, PA 15901 | $218K |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $55K |
| Vision | VISION BENEFITS OF AMERICA | 97 | $22K |
| Life insurance | PRUDENTIAL | 359 | $170K |
| Long-term disability | PRUDENTIAL | 359 | $170K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 314 | $354K |
| Other | PRUDENTIAL | 359 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.