| 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 | $222 | $0 | $222 | 0.06% |
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES, LLC | 2407 PARK DR HARRISBURG, PA 17110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 13.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LR WEBBER EIN 25-1301205 BROKER | Insurance agents and brokers Service code 22 | — | $94K |
| MPB RISK SERVICES, LLC EIN 85-0556241 BROKER | Insurance agents and brokers Service code 22 | — | $45K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $45K |
| PBASC EIN 26-3958502 ADMIN | Claims processing Service code 12 | — | $17K |
| YOUNG, OAKES, BROWN & CO BROKER | Insurance agents and brokers Service code 22 | 1210 13TH ST ALTOONA, PA 16601 | $425 |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | -$82K |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 578 | $330K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 578 | $330K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 660 | $453K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 660 | $400K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH UNIMERICA INSURANCE COMPANY | 530 | $1.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 660 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 660 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.