| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT ST. HARRISBURG, PA 17101 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 9.87% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE INC. | 417 WALNUT ST HARRISBURG, PA 17101 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 14.06% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT ST. HARRISBURG, PA 17101 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 31.11% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC | 417 WALNUT ST HARRISBURG, PA 17101 | NATIONAL VISION ADMINISTRATORS, LLC | $875 | $0 | $875 | 8.88% |
| PA CHAMBER INSURANCE3 | 417 WALNUT ST HARRISBURG, PA 17101 | ALLYHEALTH LLC | $392 | $0 | $392 | 18.77% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 62 | $54K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 112 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 113 | $21K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 113 | $21K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 113 | $21K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 113 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.