| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DH EVANS TPA, LLC3 Filed as: DH EVANS TPA LLC DBA PATH ADMINISTR | 4785 LINGLESTOWN ROAD, SUITE 200 HARRISBURG, PA 171128551 | GERBER LIFE | — | — | $0 | 0.00% |
| DELAWARE VALLEY HEALTH CARE3 | — | DELTA DENTAL OF PENNSYLVANIA | $376 | — | $376 | 0.47% |
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVENUE HARRISBURG, PA 171779764 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATH ADMINISTRATORS EIN 46-1226464 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 4785 LINGLESTOWN ROAD, SUITE 200 HARRISBURG, PA 171120480 | $61K |
| STUYVESANT CAPITAL MGT EIN 13-2953844 NONE | Direct payment from the plan; Investment management Service code 28 | 200 BUSINESS PARK DR SUITE 300A ARMONK, NY 10504 | $17K |
| BENECARD EIN 22-2998772 NONE | Direct payment from the plan; Claims processing Service code 12 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $11K |
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 10 HEARTHSTONE COURT, SUITE 100 READING, PA 19606 | $9K |
| CHARLES JOHNSTON PC EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | 1011 ERFORD RD SUITE 302 CAMP HILL, PA 17701 | $8K |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 218 | $80K |
| Vision | HIGHMARK BLUE SHIELD | 222 | $26K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 211 | $48K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 211 | $48K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 171 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.