| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.44% |
| MARY DAUGHERTY3 Filed as: MARY F. DAUGHERTY AND OTHER AGENTS | 7108 WEST CHERMONT CIRCLE KNOXVILLE, TN 37918 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.66% |
| DAVID C POTTER3 Filed as: DAVID POTTER | 235 ELIZABETH AVENUE EAST PITTSBURGH, PA 15112 | TRANSAMERICA LIFE INSURANCE COMPANY | $788 | $0 | $788 | 1.47% |
| DAVID W OTTINGER3 Filed as: DAVID W. OTTINGER | 111 CURRY HILL ROAD LEMONT FURNACE, PA 15456 | TRANSAMERICA LIFE INSURANCE COMPANY | $416 | $0 | $416 | 0.78% |
| DAVID RUSSELL3 | 625 BUSH ROAD NEW ALEXANDRIA, PA 15670 | TRANSAMERICA LIFE INSURANCE COMPANY | $155 | $0 | $155 | 0.29% |
| DONNA I TROXELL3 Filed as: DONNA I. TROXELL | 269 MARSH HOLLOW ROAD CROSS FORK, PA 17729 | TRANSAMERICA LIFE INSURANCE COMPANY | $73 | $0 | $73 | 0.14% |
| ADVANBEN MIDATLANTIC, LLC3 | 2 BALA PLAZA, SUITE 300 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.04% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS GROUP | 158 | $0 |
| Vision | AMERITAS GROUP | 158 | $0 |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 158 | $54K |
| Short-term disability(2 contracts, 2 carriers) | NATIONWIDE INSURANCE | 158 | $0 |
| Other(2 contracts, 2 carriers) | NATIONWIDE INSURANCE | 158 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.