| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 | 201 E OREGON RD STE 100 LITITZ, PA 17543 | UNITED CONCORDIA INSURANCE COMPANY | $701 | $0 | $701 | 9.62% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | P.O. BOX 900 CAMP HILL, PA 170010900 | HIGHMARK, INC | $81 | $0 | $81 | 6.47% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY INSURANCE GROUP | P.O. BOX 900 CAMP HILL, PA 170010900 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 116.51% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 NORTH 12TH ST LEMOYNE, PA 17043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4 | $4 | 0.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUNN-MOWERY, LLC BROKER | Insurance agents and brokers Service code 22 | 650 N 12TH STREET LEMOYNE, PA 17043 | $6K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $4K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $1K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $897 |
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 | 26 | 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) | 26 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 23 | $7K |
| Vision | HIGHMARK, INC | 26 | $1K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $1K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 26 | $56K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.