| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BROKERAGE SERVICES3 Filed as: NATIONAL BROKERAGE SERVICES, INC. | 4254 CLAIRTON BLVD. 122 PITTSBURGH, PA 15227 | GERBER LIFE | $29K | — | $29K | 9.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS EIN 39-1277023 NONE | Claims processing; Other fees; Other services Service code 12 | 1910 COCHRAN RD. STE. 605 PITTSBURGH, PA 15220 | $62K |
| FRANK GERWIG & ASSOCIATES P.A. EIN 52-1777375 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 122 SOUTH CENTRE ST. CUMBERLAND, MD 21502 | $25K |
| NATIONAL BROKERAGE SERVICES, INC. EIN 51-0124803 NONE | Claims processing; Direct payment from the plan Service code 12 | 4254 CLAIRTON BLVD. 122 PITTSBURGH, PA 15227 | $17K |
| TURNBULL, HOOVER & KAHL, P.A. EIN 52-1518807 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 217 GLENN ST., STE 200 CUMBERLAND, MD 21502 | $16K |
| MORGAN STANLEY SMITH BARNEY EIN 11-3658445 NONE | Securities brokerage; Investment advisory (plan); Direct payment from the plan; Securities brokerage commissions and fees; Other investment fees and expenses; Other services; Account maintenance fees Service code 27 | 2330 W JOPPA RD,SUITE 255 LUTHERVILLE, MD 21093 | $16K |
| BEINS, AXELROD & KEATING, P.C. EIN 52-1713905 NONE | Legal; Direct payment from the plan Service code 29 | 2832 RITTENHOUSE ST NW WASHINGTON, DC 20015 | $6K |
| AHDI EIN 35-2048379 NONE | Other services Service code 49 | — | $0 |
| CIGNA EIN 06-0303370 NONE | Other services Service code 49 | — | $0 |
| TELADOC EIN 04-3705970 NONE | Other services Service code 49 | — | $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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 113 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.