| 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 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS EIN 39-1277023 NONE | Claims processing; Other services; Other fees Service code 12 | 1910 COCHRAN RD. STE. 605 PITTSBURGH, PA 15220 | $52K |
| FRANK GERWIG & ASSOCIATES P.A. EIN 52-1777375 NONE | Direct payment from the plan; Plan Administrator Service code 14 | 122 SOUTH CENTRE ST. CUMBERLAND, MD 21502 | $25K |
| PLUMBERS & STEAMFITTERS EIN 52-1045309 EMPLOYEE ORGANIZATION | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2 PARK STREET CUMBERLAND, MD 21502 | $17K |
| NATIONAL BROKERAGE SERVICES, INC. EIN 51-0124803 NONE | Direct payment from the plan; Claims processing Service code 12 | 4254 CLAIRTON BLVD. 122 PITTSBURGH, PA 15227 | $16K |
| MORGAN STANLEY SMITH BARNEY EIN 11-3658445 NONE | Other investment fees and expenses; Direct payment from the plan; Investment advisory (plan) Service code 27 | 2330 W JOPPA RD,SUITE 255 LUTHERVILLE, MD 21093 | $14K |
| 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 | $14K |
| 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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 109 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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 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.