| 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 | — | $1K | 9.73% |
| MICHAEL CUMMINGS3 Filed as: MICHAEL FRANCIS CUMMINGS | 1301 MADISON AVE DUNMORE, PA 18509 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $358 | $358 | 2.90% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PKWY BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.19% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS CO | 400 BERWYN PARK BERWYN, PA 19312 | HIGHMARK INC. | $490 | — | $490 | 5.01% |
| KT HOLDCO INC.3 Filed as: KT HOLDCO INC | 400 BERWYN PARK BERWYN, PA 19312 | HIGHMARK INC. | $97 | — | $97 | 0.99% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 129 | $10K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 133 | $75K |
| Vision | HIGHMARK INC. | 129 | $10K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 45 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.