| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | 2500 ELMERTON AVENUE HARRISBURG, PA 17110 | BCS INSURANCE COMPANY | — | $9K | $9K | 3.00% |
| BENEFIT DESIGN SPECIALISTS, INC.3 | 1 KACEY COURT, SUITE 100 MECHANICSBURG, PA 17055 | GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 8.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -0.84% |
| BENEFIT DESIGN SPECIALISTS, INC.3 | 1 KACEY COURT, SUITE 100 MECHANICSBURG, PA 17055 | HEARTLAND- NATIONAL VISION ADMINISTRATORS | $970 | — | $970 | 5.00% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 194 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 212 | $181K |
| Vision | HEARTLAND- NATIONAL VISION ADMINISTRATORS | 198 | $19K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 212 | $181K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 212 | $181K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 212 | $181K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 194 | $1.8M |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 197 | $294K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 212 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.