| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS | — | DELTA DENTAL OF PENNSYLVANIA | $1K | $0 | $1K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $435 | $33 | $468 | 10.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 135 MAIN ST 21ST FL SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD, PHILIP BRIAN | — | HIGHMARK BLUE SHIELD (CENTRAL) | $91 | $0 | $91 | 3.92% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | — | HIGHMARK BLUE SHIELD (CENTRAL) | $45 | $0 | $45 | 1.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPIC INSURANCE BROKERS (CENTRAL PA) EIN 94-3195221 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | -$42 |
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 | 21 | 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) | 21 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 37 | $11K |
| Vision | HIGHMARK BLUE SHIELD (CENTRAL) | 28 | $2K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $4K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $4K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 14 | $166K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.