| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL BENEFIT SERVICES LLC | 613 BALTIMORE DRIVE WILKES BARRE, PA 18702 | GUARDIAN LIFE INSURANCE | $21K | — | $21K | 3.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DAWN HAZELTINE EIN 23-2024270 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| FOSTER & FOSTER CONSULTING ACTUARIE EIN 59-1921114 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $75K |
| PNC INSTITUTIONAL INVESTMENTS EIN 25-1211909 NONE | Investment management; Investment advisory (plan) Service code 27 | — | $64K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $32K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $16K |
| HOURIGAN, KLUGER, & QUINN EIN 23-1901668 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
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 | 888 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HIGHMARK INC. | 1,195 | $14.9M |
| Dental(2 contracts) | UNITED CONCORDIA COMPANIES, INC. | 594 | $274K |
| Vision(4 contracts, 2 carriers) | HIGHMARK INC. | 1,195 | $19.1M |
| Life insurance | GUARDIAN LIFE INSURANCE | 899 | $532K |
| Short-term disability | GUARDIAN LIFE INSURANCE | 899 | $532K |
| Prescription drug(3 contracts, 2 carriers) | HIGHMARK INC. | 1,195 | $18.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,195 | — |
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 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.