| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BROKERAGE SVC INC3 | 4254 CLAIRTON BLVD, STE 122 PITTSBURGH, PA 15227 | NATIONWIDE LIFE INSURANCE COMPANY | $823 | — | $823 | 14.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BATOFF ASSOCIATES, PA EIN 52-1667847 NONE | Legal Service code 29 | 36 S CHARLES ST STE 1510 BALTIMORE, MD 212013020 | $25K |
| TURNBULL, HOOVER & KAHL, PA EIN 52-1518807 NONE | Accounting (including auditing) Service code 10 | 217 GLENN ST STE 200 CUMBERLAND, MD 21502 | $21K |
| INTERGROUP SERVICES EIN 46-4090739 NONE | Claims processing Service code 12 | 101 LINDENWOOD DR STE 150 MALVERN, PA 19355 | $18K |
| STANDARD VALUATION EIN 41-1327339 NONE | Investment advisory (plan) Service code 27 | 790 CLEVELAND AVE STE 200 ST. PAUL, MN 55116 | $12K |
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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 99 | $6K |
| Stop-loss / reinsurancereinsurance | MONTGOMERY MANAGEMENT/COMPANION LIFE INSURANCE | 99 | $123K |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 99 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.