| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $7K | — | $7K | 2.56% |
| DIETRICH & ASSOCIATES | 1000 GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $5K | — | $5K | 1.70% |
| AMWINS5 | 50 WHITECAP DROVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $27K | — | $27K | 10.59% |
| DIETRICH & ASSOCIATES | 100 GERMANTOWN PIKE SUITE K-1 PLYMOUTH MEETING, PA 19462 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $18K | — | $18K | 7.06% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $16 | — | $16 | 6.48% |
| DIETRICH & ASSOCIATES3 | 1000 GERMANTOWN PIKE SUITE K-1 PLYMOUTH MEETING, PA 19462 | STONEBRIDGE LIFE INSURANCE | $11 | — | $11 | 4.45% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $20 | — | $20 | 11.70% |
| DIETRICH & ASSOCIATES3 | 1000 GERMANTOWN PIKE SUITE K-1 PLYMOUTH MEETING, PA 19462 | TRANSAMERICA INSURANCE COMPANY | $10 | — | $10 | 5.85% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE COMPANY | $7 | — | $7 | 4.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROSS, PUCKEY, GRUEL & ROOF, P.C. EIN 38-2962645 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $10K |
| FIFTH THIRD BANK EIN 31-1051736 NONE | Direct payment from the plan; Custodial (other than securities); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $9K |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | 123 | $259K |
| Prescription drug(2 contracts, 2 carriers) | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | 114 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.