| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIGNIFICA BENEFIT SERVICES, INC.3 Filed as: SIGNIFICA BENEFIT SERVICES | 118 WEST AIRPORT ROAD, PO BOX 7777 LITITZ, PA 17543 | UNIMERICA INSURANCE COMPANY | $8K | — | $8K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIGNIFICA BENEFIT SERVICES, INC. EIN 23-2504308 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $342K |
| BH BENEFITS, INC. EIN 27-0488672 CONSULTANT | Participant communication; Direct payment from the plan Service code 38 | — | $159K |
| CIGNA HEALTH NETWORK EIN 31-1418743 PREFERRED PROVIDER ORG. | Claims processing Service code 12 | — | $132K |
| SENTINEL MANAGEMENT SERVICES EIN 23-2514523 UTILIZATION REVIEW | Other services Service code 49 | — | $25K |
| PAN-AMERICAN LIFE EIN 72-0281240 PLAN ADMIN | Plan Administrator Service code 14 | — | $22K |
| GORFINE SCHILLER & GARDYN PA EIN 52-1231901 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| COMPETITVE HEALTH EIN 33-0700846 SERVICE VENDOR | Claims processing Service code 12 | — | $15K |
| MAGELLAN RX MANAGEMENT EIN 46-3708039 NONE | Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $8K |
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 | 1,245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 628 | $118K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 628 | $118K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 851 | $422K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,245 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,245 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.