| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL BENEFIT SERVICES, INC. | 613 BALTIMORE DRIVE WILKESBARRE, PA 18702 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 8.04% |
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL BENEFIT SERVICES, INC. | 613 BALTIMORE DRIVE WILKESBARRE, PA 18702 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 2.39% |
| GEISINGER HEALTH PLAN5 | 100 N ACADEMY AVE DANVILLE, PA 17822 | GEISINGER HEALTH PLAN | $125K | — | $125K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 9900 BREN RD EASD MINNETONKA, MN 55343 | $391K |
| UNITED CONCORDIA COMPANIES EIN 25-1687586 CLAIMS PROC | Claims processing Service code 12 | 4401 DEER PATH RD HARRISBURG, PA 17110 | $67K |
| HOWELL BENEFIT SERVICES EIN 23-2658991 BROKER | Insurance agents and brokers Service code 22 | 613 BALTIMORE DR WILKES-BARRE PA, PA 18702 | $0 |
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 | 1,176 | 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) | 1,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 417 | $0 |
| Vision | VISION BENEFITS OF AMERICA | 1,054 | $106K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,176 | $393K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,176 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,176 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.