| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELAWARE VALLEY HEALTH CARE | — | DELTA DENTAL OF DELAWARE | $4K | — | $4K | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS,INC NONE | Contract Administrator; Claims processing Service code 12 | 401 LIBERTY AVENUE, STE 1200 PITTSBURGH, PA 15222 | $503K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $265K |
| STACEY BRAUN ASSOCIATES INC EIN 13-2889432 NONE | Investment management; Soft dollars commissions Service code 28 | — | $76K |
| SEGAL CONSULTING EIN 13-1835864 NONE | Actuarial Service code 11 | — | $74K |
| LACHER & ASSOCIATES NONE | Accounting (including auditing) Service code 10 | 632 EAST BRAOD STREET SOUDERTON, PA 18964 | $66K |
| JENNINGS SIGMOND EIN 23-2025670 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| YOUNG CONAWAY STARGATT & TAYLOR LLP EIN 51-0082644 NONE | Legal Service code 29 | — | $15K |
| SAV-RX NONE | Claims processing Service code 12 | 224 NORTH PARK AVE FREEMONT, NE 68025 | $14K |
| RBC WEALTH MANAGEMENT EIN 23-2384840 NONE | Investment advisory (plan) Service code 27 | — | $13K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 74-3033381 NONE | Claims processing Service code 12 | — | $5K |
| PNC BANK, N.A. EIN 25-1211909 NONE | Distribution (12b-1) fees; Custodial (securities); Recordkeeping fees; Investment advisory (plan) Service code 19 | — | $0 |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 211 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF DELAWARE | 2,293 | $795K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 419 | $556K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 781 | $760K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,293 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.