| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PFB MEMBER SERVICE CORP | 510 SOUTH 31ST STREET CAMP HILL, PA 17011 | UNITED CONCORDIA COMPANIES | $83K | — | $83K | 7.99% |
| PFB MEMBER SERVICE CORP | 510 SOUTH 31ST STREET CAMP HILL, PA 17011 | CAPITAL ADVANTAGE INSURANCE COMPANY | $28K | — | $28K | 3.28% |
| PFB MEMBER SERVICE CORP | 510 SOUTH 31ST STREET CAMP HILL, PA 17011 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.94% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE INSURANCE COMPANY | 0 | $863K |
| Dental | UNITED CONCORDIA COMPANIES | 2,881 | $1.0M |
| Vision | HM LIFE INSURANCE COMPANY | 2,474 | $157K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $111K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,881 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.