| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES | 2407 PARK DR HARRISBURG, PA 17110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 2.40% |
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES, LLC | 2407 PARK DR HARRISBURG, PA 17110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 15.00% |
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES, LLC | 2407 PARK DR HARRISBURG, PA 17110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 15.00% |
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES, LLC | 5407 PARK DRIVE HARRISBURG, PA 17110 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 3.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LR WEBBER EIN 25-1301205 BROKER | Insurance agents and brokers Service code 22 | — | $69K |
| MPB RISK SERVICES, LLC EIN 85-0556241 BROKER | Insurance agents and brokers Service code 22 | — | $42K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $42K |
| PBASC EIN 26-3958502 ADMIN | Claims processing Service code 12 | — | $16K |
| YOUNG, OAKES, BROWN & CO BROKER | Insurance agents and brokers Service code 22 | 1210 13TH ST ALTOONA, PA 16601 | $5K |
| STEVENS & LEE, P.C. BROKER | Insurance agents and brokers Service code 22 | 51 S DUKE ST LANCASTER, PA 17602 | $3K |
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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 935 | $320K |
| Vision | VISION BENEFITS OF AMERICA | 475 | $53K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $497K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $441K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH UNIMERICA INSURANCE COMPANY | 460 | $1.1M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.