| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILVER BEECH CONSULTING GROUP3 Filed as: SILVER BEECH CONSULTING | 1205 MANOR DRIVE PO BOX 148 MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE INSURANCE COMPANY | $31K | — | $31K | 1.07% |
| SILVER BEECH CONSULTING GROUP3 | 1205 MANOR DRIVE MECHANICSBURG, PA 17055 | KEYSTONE HEALTH PLAN CENTRAL | $17K | — | $17K | 1.22% |
| SILVER BEECH CONSULTING GROUP3 | 39 WEST MAIN STREET PO BOX 148 MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 3.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $11K | $22K | 19.52% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $7K | $14K | 19.44% |
| SILVER BEECH CONSULTING GROUP3 Filed as: SILVER BEECH CONSULTING | 1205 MANOR DRIVE PO BOX 148 MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE INSURANCE COMPANY | $523 | — | $523 | 0.80% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 19.49% |
| THE BENECON GROUP3 Filed as: BENECON GROUP INC THE | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK BLUE SHIELD | $2K | — | $2K | 5.00% |
| THE MAXON COMPANY3 Filed as: MAXON ADMINISTRATORS INC. | 76 N BROADWAY IRVINGTON, NY 105331207 | MUTUAL OF OMAHA INSURANCE COMPANY | $927 | — | $927 | 26.52% |
No Schedule C service providers reported on this filing.
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL ADVANTAGE INSURANCE COMPANY | 297 | $4.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 514 | $218K |
| Vision | HIGHMARK BLUE SHIELD | 484 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 486 | $40K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 486 | $118K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 486 | $72K |
| Prescription drug | CAPITAL ADVANTAGE INSURANCE COMPANY | 468 | $827K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 486 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.