| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS LLC | 628 N BROOKSIDE RD ALLENTOWN, PA 18106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $86K | $0 | $86K | 14.32% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS LLC | 682 N BROOKSIDE RD ALLENTOWN, PA 18106 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $0 | $10K | 2.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 17.78% |
| CAROL A MROWKA3 | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 12.99% |
| EDWARD F MROWKA3 | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 5.70% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $720 | $0 | $720 | 0.61% |
| JOSEPH B MCGINTY JR3 | 520 W FOURTH ST WILLIAMSPORT, PA 17701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $502 | $0 | $502 | 0.42% |
| RYAN K GOLDBERG3 | NONE GIVEN NONE GIVEN, PA 00000 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.04% |
| ANGELA MASSARELLI3 | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS LLC | 682 N BROOKSIDE RD ALLENTOWN, PA 18106 | HM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.00% |
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 | 1,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,915 | $476K |
| Vision | HM LIFE INSURANCE COMPANY | 1,629 | $111K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,222 | $601K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,222 | $607K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,222 | $602K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,222 | $737K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,915 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.