| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORADO & COMPANY, INC.3 | 555 E CHOCOLATE AVE STE 201 HERSHEY, PA 17033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.43% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | P.O. BOX 900 CAMP HILL, PA 170010900 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 9.97% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | P.O. BOX 900 CAMP HILL, PA 170010900 | HIGHMARK, INC | $261 | $0 | $261 | 6.50% |
| CORADO & COMPANY, INC.3 Filed as: CORADO & COMPANY INC | 555 E CHOCOLATE AVE, STE 201 HERSHEY, PA 17033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $152 | $0 | $152 | 13.60% |
| URL INC3 | 5320 JAYCEE AVE HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $51 | $51 | 4.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUNN MOWERY EIN 81-0587373 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $1K |
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 | 29 | 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) | 29 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 27 | $18K |
| Vision | HIGHMARK, INC | 54 | $4K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $25K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 24 | $97K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.