| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LOOMIS COMPANY3 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | QBE INSURANCE CORPORATION | — | $65K | $65K | 7.48% |
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE CO | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | QBE INSURANCE CORPORATION | — | $27K | $27K | 3.05% |
| HINES & ASSOCIATES3 | 115 EAST HIGHLAND AVENUE ELGIN, IL 60120 | QBE INSURANCE CORPORATION | — | $5K | $5K | 0.55% |
| TELADOC3 Filed as: TELADOC INC. | 2 MANHATTANVILLE ROAD PURCHASE, NY 10577 | QBE INSURANCE CORPORATION | — | $3K | $3K | 0.36% |
No Schedule C service providers reported on this filing.
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QBE INSURANCE CORPORATION | 114 | $871K |
| Dental | QBE INSURANCE CORPORATION | 114 | $871K |
| Vision | QBE INSURANCE CORPORATION | 114 | $871K |
| Prescription drug | QBE INSURANCE CORPORATION | 114 | $871K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 114 | $871K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.