| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 | 201 E OREGON ROAD #100 LITITZ, PA 17543 | UPMC HEALTH OPTIONS | $26K | $0 | $26K | 3.52% |
| SCOTT RADCLIFFE/EHD3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.86% |
| BROOKVILLE INSURANCE AGENCY3 | 132 MAIN STREET #L BROOKVILLE, PA 158251213 | METROPOLITAN LIFE INSURANCE COMPANY | $406 | $0 | $406 | 1.12% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT-DAVIES INC. | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | METROPOLITAN LIFE INSURANCE COMPANY | $327 | $0 | $327 | 0.90% |
| THE BENECON GROUP3 | 201 E OREGON ROAD #100 LITITZ, PA 17543 | UPMC HEALTH OPTIONS | $1K | $0 | $1K | 3.33% |
| THE BENECON GROUP3 | 201 OREGON ROAD #100 LITITZ, PA 17543 | UPMC HEALTH BENEFITS | $3K | $0 | $3K | 9.55% |
| THE BENECON GROUP3 | 201 E OREGON ROAD #100 LITITZ, PA 17543 | UPMC HEALTH OPTIONS | $507 | $0 | $507 | 3.92% |
| THE BENECON GROUP3 | 201 E OREGON ROAD #100 LITITZ, PA 17543 | UPMC HEALTH BENEFITS | $412 | $0 | $412 | 9.33% |
| THE BENECON GROUP3 | 201 E OREGON ROAD #100 LITITZ, PA 17543 | UPMC HEALTH BENEFITS | $230 | $0 | $230 | 9.41% |
| THE BENECON GROUP3 | 201 E OREGON ROAD #100 LITITZ, PA 17543 | UPMC HEALTH BENEFITS | $77 | $0 | $77 | 11.19% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 113 | $789K |
| Dental(5 contracts) | UPMC HEALTH BENEFITS | 86 | $39K |
| Vision(5 contracts) | UPMC HEALTH BENEFITS | 86 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $36K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $36K |
| Prescription drug(2 contracts) | UPMC HEALTH OPTIONS | 113 | $776K |
| Other(3 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 123 | $812K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
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.