| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELAWARE VALLEY HEALTH CARE3 Filed as: DELAWARE VALLEY HEALTHCARE | COALITION 2980 S HAMPTON RD PHILADELPHIA, PA 19154 | DELTA DENTAL OF OHIO | $0 | $1K | $1K | 0.50% |
| DAWSON INSURANCE3 Filed as: DAWSON INSURANCE INC | ASSURED PARTNERS/DAWSON COMPANIES 3900 KINROSS LAKES PKWY #300 RICHFIELD, OH 44286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JENNIFER CARCIONE EIN 34-6564615 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| DAN DARROW EIN 34-6564615 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| SWALLEN LAWHUN & CO EIN 34-1172572 UNION AUDITOR | Accounting (including auditing) Service code 10 | — | $9K |
| CONNER DARROW EIN 34-6564615 EMPLOYEE | Employee (plan) Service code 30 | — | $6K |
| PARSONS RISK STRATEGIES EIN 85-1042335 ACTUARY | Accounting (including auditing) Service code 10 | — | $5K |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 399 | $6.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 823 | $288K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 409 | $34K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 381 | $40K |
| Prescription drug | MEDICAL MUTUAL | 399 | $6.4M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 381 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 823 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.