| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAMPSON MOWRER AGENCY LLC3 Filed as: THE HAMPSON-MOWRER AGENCY, INC. | 54 S. COMMERCE WAY, SUITE 150 BETHLEHEM, PA 18017 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $10K | $0 | $10K | 3.12% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: THE HAMPSON-MOWRER AGENCY, INC. | 54 S. COMMERCE WAY, SUITE 150 BETHLEHEM, PA 18017 | KEYSTONE HEALTH PLAN CENTRAL | $3K | $0 | $3K | 5.11% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DR MECHANICSBURG, PA 17055 | KEYSTONE HEALTH PLAN CENTRAL | $651 | $0 | $651 | 1.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $25K |
| BSI CORPORATE BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 79 W MARKET ST, SUITE 400 BETHLEHEM, PA 18018 | $22K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 0 | $332K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 0 | $332K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 82 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 82 | — |
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.
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.