| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH ST LEMOYNE, PA 17043 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 16.05% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 650 NORTH 12TH ST LEMOYNE, PA 17043 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 9.91% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | P.O. BOX 900 CAMP HILL, PA 17001 | VISION BENEFITS OF AMERICA | $228 | $0 | $228 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUNN MOWERY, LLC BROKER | Claims processing Service code 12 | P.O. BOX 900 CAMP HILL, PA 17001 | $15K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Claims processing Service code 12 | — | $9K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $3K |
| CONNECTCARE3 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 | 78 | 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) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 75 | $24K |
| Vision | VISION BENEFITS OF AMERICA | 37 | $5K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 78 | $47K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 78 | $47K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 78 | $47K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 44 | $2.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 78 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.