| 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 | GREAT MIDWEST INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCA ADMINISTRATORS, INC. EIN 25-1319965 NONE | Claims processing Service code 12 | 1910 COCHRAN RD. STE. 605 PITTSBURGH, PA 15220 | $43K |
| MORGAN STANLEY SMITH BARNEY EIN 20-8764829 NONE | Investment advisory (plan) Service code 27 | 2650 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | $18K |
| FRANK GERWIG & ASSOCIATES P.A. EIN 52-1777375 NONE | Plan Administrator Service code 14 | 122 SOUTH CENTRE ST. CUMBERLAND, MD 21502 | $16K |
| NATIONAL BROKERAGE SERVICES, INC. EIN 51-0124803 NONE | Claims processing Service code 12 | 4254 CLAIRTON BLVD. 122 PITTSBURGH, PA 15227 | $13K |
| TURNBULL, HOOVER & KAHL, P.A. EIN 52-1518807 NONE | Accounting (including auditing) Service code 10 | 217 GLENN ST., STE 200 CUMBERLAND, MD 21502 | $10K |
| PLUMBERS & STEAMFITTERS LOCAL 489 EMPLOYEE ORGANIZATION | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2 PARK STREET 301-722-8515 CUMBERLAND, MD 21502 | $9K |
| AHDI EIN 35-2048379 NONE | Other services Service code 49 | 4120 DALE RD SUITE J8-233 MODESTO, CA 95356 | $0 |
| FIRST HEALTH PPO PLANS EIN 20-1736437 NONE | Claims processing Service code 12 | P.O. BOX 219612 KANSAS CITY, MO 64121 | $0 |
| TELADOC EIN 04-3705970 NONE | Other services Service code 49 | 2 MANHATTANVILLE RD PURCHASE, NY 10577 | $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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 131 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.