| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS INSURANCE AGENCY | 1301 MADISON AVE DUNMORE, PA 18509 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS INSURANCE AGENCY | 1301 MADISON AVE DUNMORE, PA 18509 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $670 | $2K | 13.95% |
| INDEPENDENCE PLANNING GROUP3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.05% |
| MAZZMAR LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.05% |
| MICHAEL CUMMINGS3 Filed as: MICHAEL JOSEPH CUMMINGS | 1301 MADISON AVE DUNMORE, PA 18509 | HIGHMARK INC. | $630 | — | $630 | 6.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 | Plan Administrator Service code 14 | — | $49K |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 127 | $10K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 136 | $73K |
| Vision | HIGHMARK INC. | 127 | $10K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 50 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.