| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | DEARBORN LIFE INSURANCE COMPANY | $35K | — | $35K | 4.99% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 7774232 HARRISBURG, PA 17177 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 5.00% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 7774232 HARRISBURG, PA 17177 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 45.36% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: E K MCCONKEY & CO INC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | ZURICH AMERICAN INSURANCE COMPANY | $405 | — | $405 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | $840K |
| MAZZITTI & SULLIVAN SERVICES EIN 23-2475930 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3207 NORTH FRONT STREET HARRISBURG, PA 17110 | $47K |
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 | 2,248 | 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) | 2,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 2,248 | $699K |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 462 | $86K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,248 | $356K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 2,248 | $703K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,248 | — |
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."
No prospect flags tripped on this filing.