| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | HIGHMARK, INC. | $19K | — | $19K | 1.75% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | HIGHMARK, INC. | $15K | — | $15K | 1.41% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PENNSYLVANIA LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 1.93% |
| ASSUREDPARTNERS3 Filed as: GUNN MOWERY LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $675 | — | $675 | 1.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 1130 HIGHWAY 315 WILKES-BARRE, PA 18702 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.21% |
| ASSUREDPARTNERS3 Filed as: GUNN MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $934 | $3K | 4.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEPA | 1130 HIGHWAY 315 WILKES-BARRE, PA 18702 | VISION BENEFITS OF AMERICA | $253 | — | $253 | 3.32% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH STREET LEMOYNE, PA 17043 | VISION BENEFITS OF AMERICA | $128 | — | $128 | 1.68% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 84 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 103 | $64K |
| Vision | VISION BENEFITS OF AMERICA | 93 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 105 | $62K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 105 | $62K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 105 | $62K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 105 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.