| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISH BANK3 | 25 GATEWAY DR REEDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| JENNIFER DEPROSPO3 | 1525 CEDAR CLIFF DR STE 102 CAMP HILL, PA 17011 | ALLSTATE BENEFITS | — | — | $0 | — |
| CHRISTOPHER CROYLE3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | ALLSTATE BENEFITS | — | — | $0 | — |
| COLLETTE R CROYLE3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DR LEBANON, PA 17042 | ALLSTATE BENEFITS | — | — | $0 | — |
| KISH BANK3 | 25 GATEWAY DR REEDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| CHRISTOPHER CROYLE3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | ALLSTATE BENEFITS | — | — | $0 | — |
| JENNIFER DEPROSPO3 | 1525 CEDAR CLIFF DR STE 102 CAMP HILL, PA 17011 | ALLSTATE BENEFITS | — | — | $0 | — |
| KISH BANK3 | 25 GATEWAY DR REEDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| COLLETTE R CROYLE3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DR LEBANON, PA 17042 | ALLSTATE BENEFITS | — | — | $0 | — |
| KISH BANK3 | 25 GATEWAY DR REEDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| JENNIFER DEPROSPO3 | 1525 CEDAR CLIFF DR STE102 CAMP HILL, PA 17011 | ALLSTATE BENEFITS | — | — | $0 | — |
| COLLETTE R CROYLE3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| CHRISTOPHER CROYLE3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | ALLSTATE BENEFITS | — | — | $0 | — |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DR LEBANON, PA 17042 | ALLSTATE BENEFITS | — | — | $0 | — |
| KISH BANK3 | 25 GATEWAY DR REEDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| CHRISTOPHER CROYLE3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | ALLSTATE BENEFITS | — | — | $0 | — |
| KISH BANK3 | 25 GATEWAY DR REEDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| JENNIFER DEPROSPO3 | 1525 CEDAR CLIFF DR STE 102 CAMP HILL, PA 17011 | ALLSTATE BENEFITS | — | — | $0 | — |
| CHRISTOPHER CROYLE3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | ALLSTATE BENEFITS | — | — | $0 | — |
| COLLETTE R CROYLE3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| GRENINGER JR3 Filed as: GRENINGER JR SAMUEL CLAIR | 1484 GERMAN RD LOCK HAVEN, PA 17745 | ALLSTATE BENEFITS | — | — | $0 | — |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | ALLSTATE BENEFITS | — | — | $0 | — |
| KISH BANK3 | 25 GATEWAY DR REEDSVILLE, PA 17084 | ALLSTATE BENEFITS | — | — | $0 | — |
| CHRISTOPHER CROYLE3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | ALLSTATE BENEFITS | — | — | $0 | — |
| KISH BANK3 | 10 N DORCAS ST LEWISTOWN, PA 17044 | COMPANION LIFE | — | — | $0 | — |
| DEPROSPO INSURANCE3 | 1525 CEDAR CLIFF DR STE 102 CAMP HILL, PA 17011 | COMPANION LIFE | — | — | $0 | — |
| KISH BANK3 | 10 N DORCAS ST LEWISTOWN, PA 17044 | COMPANION LIFE | — | — | $0 | — |
| DEPROSPO INSURANCE3 | 1525 CEDAR CLIFF DR STE 102 CAMP HILL, PA 17011 | COMPANION LIFE | — | — | $0 | — |
| KISH BANK3 Filed as: KISH BENEFITS CONSULTING | 25 GATEWAY DR REEDSVILLE, PA 17044 | DOMINION NATIONAL | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | DOMINION NATIONAL | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT ST STE 301 HARRISBURG, PA 17110 | VBA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $5K |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $1K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $323 |
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 | 61 | 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) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 0 | $0 |
| Vision | VBA | 0 | $0 |
| Life insurance(2 contracts) | ALLSTATE BENEFITS | 0 | $0 |
| Short-term disability(2 contracts) | COMPANION LIFE | 0 | $0 |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH | 61 | $16K |
| Other(9 contracts, 2 carriers) | ALLSTATE BENEFITS | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61 | — |
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."
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.