| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STERLING GROUP INC Filed as: STERLING BENEFITS, LLC. | 512 LANCASTER AVENUE WAYNE, PA 19087 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | $0 | $65K | 4.48% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFT GENERAL AGY | 899 CASSATT ROAD BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $17K | $17K | 1.17% |
| EASYENROLL, LLC.3 | 4302 13TH AVENUE SUITE 4-264 FARGO, ND 58103 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.42% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 7310 NORTH 16TH STREET SUITE 226 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | $0 | $47K | 16.13% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $293K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $293K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $293K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $293K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $293K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.