| 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 | $6K | $0 | $6K | 2.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 6.49% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE | 417 WALNUT ST HARRISBURG, PA 171011918 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $22K |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 133 | $86K |
| Vision | HIGHMARK BLUE SHIELD | 117 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $200K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $200K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $200K |
| Prescription drug | BCS FINANCIAL CORPORATION | 161 | $203K |
| Stop-loss / reinsurancereinsurance | BCS FINANCIAL CORPORATION | 161 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.