| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL GROUP3 | 2 BARCLO CIRCLE, SUITE 3 DILLSBURG, PA 17019 | UNITED CONCORDIA INSURANCE COMPANIES, INC. | $3K | $0 | $3K | 10.17% |
| COMMONWEALTH FINANCIAL GROUP3 Filed as: COMMONWEALTH FINANCIAL GROUP INC | 2 BARLO CIRCLE, SUITE C DILLSBURG, PA 17019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| COMMONWEALTH FINANCIAL GROUP3 Filed as: COMMONWEALTH FINANCIAL GROUP INC | 2 BARLO CIRCLE, SUITE C DILLSBURG, PA 17019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK, INC. | $232 | $0 | $232 | 4.52% |
| GRIFFUS, BRADLY W3 | 2 BARLO CIR STE C DILLSBURG, PA 17019 | HIGHMARK, INC. | $101 | $0 | $101 | 1.97% |
| COMMONWEALTH FINANCIAL GROUP3 Filed as: COMMONWEALTH FINANCIAL GROUP INC | 2 BARLO CIRCLE, SUITE C DILLSBURG, PA 17019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $486 | $0 | $486 | 15.01% |
| COMMONWEALTH FINANCIAL GROUP3 Filed as: COMMONWEALTH FINANCIAL GROUP INC | 2 BARLO CIRCLE, SUITE C DILLSBURG, PA 17019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $231 | $0 | $231 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMONWEALTH FINANCIAL GROUP EIN 23-2399040 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| CAPITAL BLUECROSS EIN 23-0455154 CARRIER | Claims processing Service code 12 | — | $4K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 50 | 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) | 50 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANIES, INC. | 45 | $34K |
| Vision | HIGHMARK, INC. | 44 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $15K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 50 | $243K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59 | — |
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.