| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC. | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | HIGHMARK | $39 | $0 | $39 | 0.01% |
| THE BENECON GROUP3 | 147 W AIRPORT ROAD LITITZ, PA 17543 | HIGHMARK | $13 | $0 | $13 | 0.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NIAGRA RISK MANAGEMENT | 1215 MANOR DR SUITE 200 MECHANICSBURG, PA 17055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.52% |
| JOHN J. CERASANI3 Filed as: JOHN J CERASANI | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.47% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE SUITE 1200 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $871 | $871 | 2.54% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS INC | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $155 | $155 | 0.45% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NIAGRA RISK MANAGEMENT | 1215 MANOR DR SUITE 200 MECHANICSBURG, PA 17055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.58% |
| JOHN J. CERASANI3 Filed as: JOHN J CERASANI | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $783 | $0 | $783 | 4.42% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE SUITE 1200 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $444 | $444 | 2.51% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $81 | $81 | 0.46% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NIAGRA RISK MANAGEMENT | 1215 MANOR DR SUITE 200 MECHANICSBURG, PA 17055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $260 | $0 | $260 | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | $0 | $207 | 7.96% |
| JOHN J. CERASANI3 Filed as: JOHN J CERASANI | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $106 | $0 | $106 | 4.08% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE SUITE 1200 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $65 | $65 | 2.50% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREFERRED EAP ADMIN | Claims processing Service code 12 | 1728 W. JONATHAN ST. #200 ALLENTOWN, PA 18104 | $7K |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 362 | $448K |
| Dental | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | 317 | $84K |
| Vision | HIGHMARK | 362 | $448K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $18K |
| Prescription drug | HIGHMARK | 362 | $448K |
| Other(2 contracts, 2 carriers) | HIGHMARK | 362 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.