| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS M TEGLER3 Filed as: THOMAS TEGLER | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $730 | $7K | 9.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $736 | $4K | 5.99% |
| THOMAS M TEGLER3 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THOMAS M TEGLER3 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | NGL | $463 | — | $463 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS TEGLER CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | $45K |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 114 | $762K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $74K |
| Vision | NGL | 65 | $5K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $74K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $11K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.