| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELAWARE VALLEY HEALTH CARE3 Filed as: DELAWARE VALLEY HEALTH CARE COALITI | 2980 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | DELTA DENTAL OF WEST VIRGINIA | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS BLUE SHIELD EIN 31-1440175 MEDICAL CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | 3075 VANDEREAR WAY CINCINNATI, OH 45209 | $417K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 PLAN ADMINISTRATOR | Plan Administrator; Other services; Direct payment from the plan Service code 14 | 9200 US ROUTE 60 ONA, WV 25545 | $304K |
| CAPITAL RX EIN 35-2612946 PRESCRIPTION CLAIMS ADMIN | Direct payment from the plan; Claims processing Service code 12 | 228 PARK AVENUE S, SUITE 87234 NEW YORK CITY, NY 10003 | $68K |
| FOSTER AND FOSTER EIN 59-1921114 PLAN ACTUARY | Actuarial; Direct payment from the plan Service code 11 | 184 SHUMAN BOULEVARD SUITE 305 NAPERVILLE, IL 60563 | $58K |
| GRAY, GRIFFITH & MAYS PLLC EIN 82-5354495 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | 400 PIERPONT DRIVE, SUITE 202 MORGANTOWN, WV 26508 | $37K |
| MACALA & PIATT EIN 34-1933033 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 601 SOUTH MAIN STREET NORTH CANTON, OH 44720 | $35K |
| WEX HEALTH INC. HRA CLAIMS PROCESSING | Direct payment from the plan; Claims processing Service code 12 | PO BOX 843529 BOSTON, MA 02284 | $29K |
| JOHNSON PRINTING EIN 99-0662908 PRINTING SERVICES | Copying and duplicating; Direct payment from the plan Service code 36 | 4136 GREEN VALLEY ROAD HUNTINGTON, WV 25701 | $16K |
| ALERA GROUP EIN 81-4473358 INSURANCE AGENT | Insurance agents and brokers; Direct payment from the plan Service code 22 | 22901 MILLCREEK BLVD SUITE 160 HIGHLAND HILLS, OH 44122 | $12K |
| ALAN D BILLER ASSOCIATES, INC EIN 94-2854958 INVESTMENT ADVISOR | Investment advisory (plan); Direct payment from the plan Service code 27 | 535 MIDDLEFIELD ROAD, SUITE 230 MENLO PARK, CA 94025 | $12K |
| INTERNATIONAL FOUNDATION OF EMPLOYE EIN 39-1034021 NONE | Direct payment from the plan; Other services Service code 49 | 18700 W. BLUEMOUND ROAD BROOKFIELD, WI 53045 | $8K |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 315 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY. INC. | 297 | $470K |
| Dental | DELTA DENTAL OF WEST VIRGINIA | 1,570 | $0 |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 740 | $75K |
| Stop-loss / reinsurancereinsurance | BERKLEY ACCIDENT AND HEALTH | 0 | $583K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 740 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,570 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.