| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL GROUP3 Filed as: COMMONWEALTH FINANCIAL | 2 BARLO CIRCLE SUITE C DILLSBURG, PA 17019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $146 | $3K | 13.88% |
| COMMONWEALTH FINANCIAL GROUP3 | 2 BARLO CIRCLE SUITE B DILLSBURG, PA 17019 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $123 | $1K | 10.96% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PARKWAY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.05% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY, STE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | $0 | $6 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMONWEALTH BENEFITS GROUP BROKER | Insurance agents and brokers Service code 22 | 2 BARLOW CIRCLE #C DILLSBURG, PA 17019 | $9K |
| BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $2K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $782 |
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 | 20 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $20K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | EVEREST REINSURANCE COMPANY | 19 | $112K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28 | — |
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."
No prospect flags tripped on this filing.