| 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 | $6K | — | $6K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIGNIFICA BENEFIT SERVICES, INC. EIN 23-2504308 NONE KNOWN | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $563K |
| BH BENEFITS, INC. EIN 27-0488672 NONE KNOWN | Direct payment from the plan; Participant communication Service code 38 | — | $155K |
| INDEPENDENT FIDUCIARY SERVICES NONE KNOWN | Trustee (bank, trust company, or similar financial institution) Service code 21 | 8460 TYCO ROAD, STE E VIENNA, VA 22182 | $139K |
| GORFINE, SCHILLER, & GARDYN, PA NONE KNOWN | Accounting (including auditing) Service code 10 | 10045 RED RUN BLVD #250 OWINGS MILLS, MD 21117 | $19K |
| TRANSNATION TRANSLATIONS, INC. NONE KNOWN | Other services Service code 49 | 17101 PRESTON ROAD #180 DALLAS, TX 75248 | $13K |
| SEYFARTH SHAW LLP NONE KNOWN | Legal Service code 29 | 975 F STREET NW WASHINGTON, DC 20004 | $11K |
| SMITH & DOWNEY, P.A. NONE KNOWN | Legal Service code 29 | 1 W PENNSYLVANIA AVE #950 TOWSON, MD 21204 | $6K |
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 | 1,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 622 | $2.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 622 | $86K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 821 | $2.6M |
| Other(3 contracts, 3 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 1,198 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.