| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID A TALMAS3 | 39 PEACH LANE LANCASTER, PA 17601 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 12.74% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH STREET LEMOYNE, PA 17043 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 7.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 650 N 12TH STREET LEMOYNE, PA 17043 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $35K |
| GUNN-MOWERY, LLC BROKER | Insurance agents and brokers Service code 22 | 650 N 12TH STREET LEMOYNE, PA 17043 | $27K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $18K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 134 | $47K |
| Vision | VISION BENEFITS OF AMERICA | 89 | $31K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 63 | $47K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 63 | $47K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 114 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.