| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWELL BENEFIT SERVICES INC3 | 613 BALTIMORE DRIVE WILKES-BARRE, PA 18702 | HIGHMARK INC | $71K | — | $71K | 2.45% |
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL & ASSOCIATES | — | UNITED CONCORDIA COMPANIES, INC. | $12K | — | $12K | 8.36% |
| ERC OF NY, INC.3 | — | UNITED CONCORDIA COMPANIES, INC. | $3K | — | $3K | 1.84% |
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL BENEFIT SERVICES INC. | 613 BALTIMORE DRIVE EAST MT CORPORATE CENTER WILKES BARRE, PA 18702 | RELIANCE STANDARD | $2K | — | $2K | 7.17% |
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL BENEFIT SERVICES, INC. | 613 BALTIMORE DRIVE EAST CORPORATE CENTER WILKES BARRE, PA 18702 | RELIANCE STANDARD | $4K | — | $4K | 11.20% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ LLC | 1130 HWY 315 WILKES BARRE, PA 18702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | — |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $418 | $209 | $627 | — |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $7 | $198 | — |
No Schedule C service providers reported on this filing.
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 332 | $2.9M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 257 | $147K |
| Vision | HIGHMARK INC | 332 | $2.9M |
| Life insurance | RELIANCE STANDARD | 252 | $33K |
| Long-term disability | RELIANCE STANDARD | 252 | $32K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD | 252 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.