| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | — | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $76K | — | $76K | 2.99% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER J LENZ | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | NATIONWIDE LIFE INSURANCE COMPANY | $16K | — | $16K | 13.22% |
| WIENKEN ADVISORS LTD3 | — | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 10.00% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 57 WHITE OAK BOULEVARD MECHANICSBURG, PA 17050 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WIENKEN ADVISORS LTD3 | — | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 10.00% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER J LENZ | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | NATIONWIDE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.29% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 134 | $2.5M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 125 | $99K |
| Vision | HM LIFE INSURANCE COMPANY | 132 | $36K |
| Life insurance(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 125 | $134K |
| Short-term disability(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 125 | $134K |
| Long-term disability(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 125 | $134K |
| Other(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 125 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.