| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC | PO BOX 5406 LANCASTER, PA 176065406 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 3.00% |
| JONATHAN DOLIN3 | 123 S. 3RD STREET EASTON, PA 180424727 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.30% |
| RONNIE BLAUFARB3 | 123 S. 3RD STREET EASTON, PA 180424727 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.26% |
| CRAIG MUSCHKO3 | 123 S. 3RD STREET EASTON, PA 180424727 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.26% |
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 | 762 | 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) | 762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 759 | $99K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 762 | $393K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 762 | $393K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 762 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.