| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARDING-YOST INSURANCE ASSOCIATES3 Filed as: HARDING-YOST INS | 352 MAIN ST DENVER, PA 17517 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $2K | $0 | $2K | 10.79% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC | PO BOX 5406 LANCASTER, PA 17606 | SUNLIFE ASSURANCE COMPANY OF CANADA | $790 | $0 | $790 | 15.04% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | — | — | $0 | — |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | — | — | $0 | — |
| ANDREW G WALLOVER3 | 280 GRANITE RUN DR STE 100 LANCASTER, PA 17601 | NORTHWESTERN MUTUAL | — | — | $0 | — |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DR STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 CARRIER | Claims processing Service code 12 | — | $23K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| HARDING-YOST INSURANCE BROKER | Insurance agents and brokers Service code 22 | 352 MAIN STREET DENVER, PA 17517 | $7K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $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 | 66 | 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) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 62 | $19K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 66 | $5K |
| Short-term disability | NORTHWESTERN MUTUAL | 0 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUM HEALTH | 47 | $142K |
| Other | SAMARITAN COUNSELING | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66 | — |
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."
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.