| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 4242 CARLISLE PIKE SUITE 177 CAMP HILL, PA 17011 | UNITED CONCORDIA INSURANCE COMPANY | $955 | $0 | $955 | 6.01% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT STREET HARRISBURG, PA 17101 | GUARDIAN | $1K | $0 | $1K | 27.14% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC | 417 WALNUT ST HARRISBURG, PA 17101 | GUARDIAN | $2K | $0 | $2K | 43.14% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT STREET HARRISBURG, PA 17101 | GUARDIAN | $513 | $0 | $513 | 15.59% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE INC | 417 WALNUT ST HARRISBURG, PA 17110 | GUARDIAN | $487 | $0 | $487 | 25.01% |
| DAAM, LLC3 | 2 RESEARCH WAY PRINCETON, NJ 08540 | GUARDIAN | $10 | $0 | $10 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $19K |
| GUNN-MOWERY BROKER | Insurance agents and brokers Service code 22 | 650 N 12TH ST LEMOYNE, PA 17043 | $12K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| 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 | 47 | 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) | 47 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 61 | $16K |
| Vision | HIGHMARK, INC | 46 | $5K |
| Life insurance | GUARDIAN | 67 | $4K |
| Short-term disability | GUARDIAN | 72 | $2K |
| Long-term disability | GUARDIAN | 8 | $3K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 47 | $103K |
| Other(2 contracts) | GUARDIAN | 8 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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.