| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH P HARTMAN3 Filed as: JOSEPH P. HARTMAN | PO BOX 1067 WESTTOWN, PA 19395 | GEISINGER HEALTH PLAN | $9K | — | $9K | 1.72% |
| JOHN E CARROLL3 | PO BOX 1067 WESTTOWN, PA 19395 | GEISINGER HEALTH PLAN | $9K | — | $9K | 1.72% |
| JOHN E CARROLL3 | CHOICE BENEFITS INC P.O. BOX 1067 WESTTOWN, PA 19395 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 12.59% |
| JOSEPH P HARTMAN3 | PO BOX 1067 WESTTOWN, PA 19395 | PRINCIPAL LIFE INSURANCE COMPANY | $730 | — | $730 | 1.02% |
| JOSEPH P HARTMAN3 | PO BOX 1067 WESTTOWN, PA 19395 | GEISINGER QUALITY OPTIONS, INC. | $324 | $18 | $342 | 0.90% |
| JOHN E CARROLL3 | P.O. BOX 1067 WESTTOWN, PA 19395 | GEISINGER QUALITY OPTIONS, INC. | $324 | $18 | $342 | 0.90% |
No Schedule C service providers reported on this filing.
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 182 | $570K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $72K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $72K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $72K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $72K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.