| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | — | GRANULAR INSURANCE COMPANY | $13K | $13K | $27K | 9.96% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 N SHORE DR STE 300 PITTSBURGH, PA 15212 | THE HARTFORD | $42K | — | $42K | 162.12% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE HARTFORD | — | $15K | $15K | 55.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTIVO | Contract Administrator Service code 13 | — | $189K |
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 | 417 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 567 | $127K |
| Vision | VISION CARE FOR LIFE | 303 | $39K |
| Long-term disability | THE HARTFORD | 186 | $38K |
| Prescription drug | WITHME HEALTH LLC | 0 | $0 |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 343 | $269K |
| Other(7 contracts) | THE HARTFORD | 417 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.