| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCHE FINANCIAL INC3 | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $8K | — | $8K | 3.08% |
| ROCHE FINANCIAL INC3 | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $4K | — | $4K | 2.49% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP INC | 10 N DORCAS STREET LEWISTOWN, PA 17044 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| ROCHE FINANCIAL INC3 Filed as: ROCHE FINANCIAL INC. | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.16% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE, STE 215 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.65% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP INC | 10 N DORCAS STREET LEWISTOWN, PA 17044 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 11.97% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE STE 210 VILLANOVA CENTER, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $337 | — | $337 | 7.73% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP INC | 10 N DORCAS STREET LEWISTOWN, PA 17044 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $548 | — | $548 | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $110 | — | $110 | 3.01% |
| ROCHE FINANCIAL INC3 | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 1.52% |
| ROCHE FINANCIAL INC3 | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC | $50 | — | $50 | 2.16% |
| ROCHE FINANCIAL INC3 Filed as: ROCHE FINANCIAL INC. | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC | $50 | — | $50 | 2.36% |
| ROCHE FINANCIAL INC3 Filed as: ROCHE FINANCIAL INC. | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 2.36% |
| ROCHE FINANCIAL INC3 | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC | $50 | — | $50 | 2.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Insurance services Service code 23 | — | $186K |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 152 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 108 | $71K |
| Vision | HIGHMARK | 267 | $28K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $29K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 49 | $21K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 230 | $208K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 45 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.