| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID HARRISON3 | PO BOX 1431 KINGSTON, PA 18704 | HIGHMARK INC. | $5K | $0 | $5K | 0.14% |
| TARA LYNN SMITH3 | 250 PIERCE STREET, SUITE 311 KINGSTON, PA 18704 | HIGHMARK INC. | $0 | $0 | $0 | 0.00% |
| HARRISON BENEFIT SERVICES LLC3 | PO BOX 1431 KINGSTON, PA 18704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $358 | $10K | 6.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.60% |
| HARRISON BENEFIT SERVICES LLC3 | 1600 WYOMING AVE FORTY FORT, PA 18704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| HARRISON BENEFIT SERVICES LLC3 | 1600 WYOMING AVE FORTY FORT, PA 18704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| HARRISON BENEFIT SERVICES LLC3 | 1600 WYOMING AVENUE FORTY FORT, PA 18704 | VISION BENEFITS OF AMERICA | $849 | $0 | $849 | 5.23% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 3601 MACCORKLE AVE STE 50 CHARLESTON, WV 25304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | — |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $149K |
| Vision | VISION BENEFITS OF AMERICA | 225 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $53K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
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.
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.