| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: ANDREW THOMAS RUTHERFORD | 5912 LINGLESTOWN ROAD PO BOX 6118 HARRISBURG, PA 17112 | HIGHMARK INC | $61K | $0 | $61K | 3.66% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK INC | $20K | $0 | $20K | 1.19% |
| COLONIAL PARK REALTY3 Filed as: COLONIAL PARK REALTY, CO. | — | UNITED CONCORDIA INSURANCE COMPANY | $11K | $0 | $11K | 10.13% |
| COLONIAL PARK REALTY3 | 5912 LINGLESTOWN ROAD HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $101 | $4K | 8.61% |
| BH PREFERRED LLC3 Filed as: BH PREFERRED | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.00% |
| COLONIAL PARK REALTY3 | 5912 LINGLESTOWN ROAD PO BOX 6118 HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY | $2K | $22 | $2K | 15.21% |
| BH PREFERRED LLC3 Filed as: BH PREFERRED | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY | $0 | $537 | $537 | 5.00% |
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 | 183 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 342 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 341 | $109K |
| Vision | HIGHMARK INC | 342 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $47K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $47K |
| Prescription drug | HIGHMARK INC | 342 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.