| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES, LLC | HARRISBURG HARRISBURG, PA 17110 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 10.00% |
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES, LLC DBA MPB INSU | 2407 PARK DR HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $535 | $0 | $535 | 13.43% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $199 | $34 | $233 | 5.85% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE | 417 WALNUT ST HARRISBURG, PA 17100 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63 | $0 | $63 | 1.58% |
| MBP RISK SERVICES, LLC DBA MPB INSU3 | 2407 PARK DR HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $326 | $0 | $326 | 13.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $121 | $29 | $150 | 6.21% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE INC. | 417 WALNUT ST HARRISBURG, PA 17100 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | $0 | $36 | 1.49% |
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES, LLC DBA MPB INSU | 2407 PARK DR HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $210 | $0 | $210 | 13.74% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $76 | $12 | $88 | 5.76% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT ST HARRISBURG, PA 17100 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19 | $0 | $19 | 1.24% |
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES, LLC DBA MPB INSU | 2407 PARK DR HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22 | $0 | $22 | 13.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8 | $2 | $10 | 6.25% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT ST HARRISBURG, PA 17100 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2 | $0 | $2 | 1.25% |
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES, LLC DBA MPB INSU | 2407 PARK DR HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | $0 | $12 | 13.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4 | $1 | $5 | 5.81% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT ST HARRISBURG, PA 17100 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | $0 | $1 | 1.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MPB RISK SERVICES, LLC EIN 85-0556241 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | -$8K |
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 | 61 | 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) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 50 | $28K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 109 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11 | $160 |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12 | $2K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 61 | $459K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
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.