| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 Filed as: ADVOCATE INC DBA NAVA | 228 PARK AVE S PMB 97880 NEW YORK, NY 10003 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 7.64% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC. | 448 MURRY HILL CIR LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 6.66% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $640 | $640 | 1.88% |
| DAVIS, BRYAN STEVEN3 | 7118 SE REED COLLEGE PL PORTLAND, OR 97202 | HIGHMARK, INC. | $907 | $0 | $907 | 3.43% |
| MORAN, PATRICK3 | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | HIGHMARK, INC. | $750 | $0 | $750 | 2.84% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 899 CASSATT RD BERWYN, PA 19312 | HIGHMARK, INC. | $227 | $0 | $227 | 0.86% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DR MECHANICSBURG, PA 17050 | HIGHMARK, INC. | $188 | $0 | $188 | 0.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REMODEL HEALTH ADMIN | Claims processing Service code 12 | 601 SOUTH MERIDIAN ST STE 500 INDIANAPOLIS, IN 46225 | $48K |
| SILBERSINTE INSURANCE GROUP BROKER | Insurance agents and brokers Service code 22 | 2850 QUARRY LAKE DR, STE 303 BALTIMORE, MD 21209 | $1K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $1K |
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 | 57 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 58 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK, INC. | 99 | $26K |
| Vision | HIGHMARK, INC. | 99 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $34K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.