| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERC OF NY, INC.3 | 30 BROADWAY ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $334 | $2K | 12.61% |
| FAILOR KRISE & BROEG ASSOCIATES LLC3 Filed as: FAILOR KRISE, BROEG ASSOCIATE | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 17050 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.51% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | P.O. BOX 900 CAMP HILL, PA 170010900 | HIGHMARK, INC | $197 | $0 | $197 | 5.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUNN-MOWERY BROKER | Insurance agents and brokers Service code 22 | 650 N 12TH ST LEMOYNE, PA 17043 | $17K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $3K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
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 | 41 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 42 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 43 | $20K |
| Vision | HIGHMARK, INC | 40 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $15K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $15K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $15K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 44 | $142K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.