| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLONIAL PARK REALTY3 | 400 N. BLUE RIBBON AVENUE HARRISBURG, PA 17112 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 6.97% |
| COLONIAL PARK REALTY3 | 5912 LINGLESTOWN RD HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $525 | $0 | $525 | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $175 | $175 | 5.00% |
| URL INC3 | 5320 JAYCEE AVE HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175 | $0 | $175 | 5.00% |
| COLONIAL PARK REALTY3 | 5912 LINGLESTOWN RD HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $300 | $0 | $300 | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $150 | $150 | 5.00% |
| URL INC3 | 5320 JAYCEE AVE HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $150 | $0 | $150 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| CAPITAL PARK REALTY COMPANY BROKER | Insurance agents and brokers Service code 22 | P.O.BOX 6118 HARRISBURG, PA 17112 | $13K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $12K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 52 | 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) | 52 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 90 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $3K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 35 | $129K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.