| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUVE CONSULTING GROUP INC3 | 6 KACEY COURT, SUITE 204 MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CORPORATE HEALTHCARE STRATEGIES LLC3 Filed as: CORPORATE HEALTHCARE STRATEGIES INC | 280 GRANITE RUN DRIVE STE 250 LANCASTER, PA 17601 | DELTA DENTAL OF PENNSYLVANIA | $901 | — | $901 | 2.66% |
| SAUVE CONSULTING GROUP INC3 | 6 KACEY COURT, SUITE 204 MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $453 | — | $453 | 1.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE SHIELD EIN 23-1294723 N/A | Claims processing Service code 12 | 1800 CENTER STREET CAMP HILL, PA 17011 | $67K |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 223 | $34K |
| Prescription drug | HIGHMARK BLUE SHIELD | 213 | $102K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 212 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
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.