| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH STREET LEMOYNE, PA 17043 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | 10.00% |
| KEITH ALAN BOWMAN3 | 4431 N FRONT ST STE 106 HARRISBURG, PA 17101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| KEITH ALAN BOWMAN3 | 4431 N FRONT ST STE 106 HARRISBURG, PA 17101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 650 NORTH 12TH ST LEMOYNE, PA 17043 | VISION BENEFITS OF AMERICA | $717 | $0 | $717 | 5.74% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 195 | $69K |
| Vision | VISION BENEFITS OF AMERICA | 117 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $36K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.