| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELAWARE VALLEY HEALTH CARE | 2980 SOUTHAMPTON RD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 0.47% |
| HOWELL BENEFIT SERVICES INC Filed as: HOWELL BENEFIT SERVICES LLC | 613 BALTIMORE DRIVE WILKES BARRE, PA 18702 | GUARDIAN LIFE INSURANCE | $7K | — | $7K | 4.72% |
| HOWELL BENEFIT SERVICES INC | 613 BALTIMORE DRIVE WILKES BARRE, PA 18702 | GUARDIAN LIFE INSURANCE | $5K | — | $5K | 6.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PNC INSTITUTIONAL INVESTMENTS EIN 25-1211909 NONE | Investment management Service code 28 | 201 PENN AVENUE SCRANTON, PA 18501 | $53K |
| JENNIFER WROBLEWSKI EIN 23-2024270 NONE | Employee (plan) Service code 30 | 260 SOUTH WASHINGTON ST WILKES-BARRE, PA 18701 | $40K |
| BEYER-BARBER COMPANY EIN 23-2506404 NONE | Consulting (general) Service code 16 | 1136 HAMILTON STREET ALLENTOWN, PA 18101 | $31K |
| KOSMERL & COMPANY EIN 23-2872012 NONE | Accounting (including auditing) Service code 10 | 535 N 5TH STREET READING, PA 19601 | $24K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Contract Administrator Service code 13 | 1 DELTA DRIVE MECHANICSBURG, PA 17055 | $15K |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HIGHMARK INC | 302 | $7.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 314 | $424K |
| Vision(2 contracts) | HIGHMARK INC | 302 | $7.8M |
| Life insurance(2 contracts) | GUARDIAN LIFE INSURANCE | 279 | $230K |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE | 279 | $230K |
| Prescription drug(2 contracts) | HIGHMARK INC | 302 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.