| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY DUNN INC3 Filed as: HENRY DUNN, INC. | 317 MAIN STREET TOWANDA, PA 18848 | FPLIC | $20K | — | $20K | 2.21% |
| HENRY DUNN INC3 Filed as: HENRY DUNN, INC. | 317 MAIN STREET TOWANDA, PA 18848 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $848 | $10K | 13.00% |
| HENRY DUNN INC3 Filed as: HENRY DUNN, INC. | 317 MAIN STREET TOWANDA, PA 18848 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 3.83% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP INC. | 101 N. DORCAS STREET LEWISTOWN, PA 17044 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FPLIC | 105 | $920K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 122 | $39K |
| Vision | FPLIC | 105 | $920K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $96K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $74K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $96K |
| Prescription drug | FPLIC | 105 | $920K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.