| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | 2500 ELMERTON AVE HARRISBURG, PA 17100 | BCS FINANCIAL CORPORATION | $0 | $5K | $5K | 3.00% |
| WEVODAU INS. & BENEFIT STRATEGIES3 Filed as: WEVODAU INSURANCE 7 BENEFITS | 600 N FRONT ST WORMLEYSBURG, PA 17043 | DELTA DENTAL | $1K | $0 | $1K | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | SUITE 500 3600 AMERICAN BLVD W BLOOMINGTON, MN 55431 | HIGHMARK BLUE SHIELD | $47 | $0 | $47 | 0.25% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE | 417 WALNUT STREET HARRISBURG, PA 17101 | UNITED HEALTHCARE INSURANCE COMPANY | $693 | $0 | $693 | 4.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $27K |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 296 | $14K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 296 | $127K |
| Vision(2 contracts, 2 carriers) | HIGHMARK BLUE SHIELD | 296 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $162K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $162K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $162K |
| Prescription drug | BCS FINANCIAL CORPORATION | 158 | $160K |
| Stop-loss / reinsurancereinsurance | BCS FINANCIAL CORPORATION | 158 | $160K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.