| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARTMAN EMPLOYEE BENEFITS3 Filed as: HARTMAN EMPLOYEE BENEFITS, INC. | 420 WILLIAM ST WILLIAMSPORT, PA 17701 | HIGHMARK | $44K | — | $44K | 1.58% |
| ANTHONY A TORSELL AGENCY, INC.3 | 204 W MAIN ST LOCK HAVEN, PA 17745 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 4.00% |
| SHOLLEY AGENCY3 Filed as: THE SHOLLEY AGENCY, INC | PO BOX 308 LEWISBURG, PA 17837 | DELTA DENTAL OF PENNSYLVANIA | $16K | — | $16K | 6.00% |
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 | 585 | 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) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 871 | $2.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 447 | $264K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 554 | $292K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 554 | $292K |
| Prescription drug | HIGHMARK | 871 | $2.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 554 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.