| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MPB RISK SERVICES LLC3 | 2407 PARK DR HARRISBURG, PA 17110 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.02% |
| MPB RISK SERVICES LLC3 | — | UNITED CONCORDIA COMPANIES, INC. | $2K | $0 | $2K | 10.00% |
| MPB RISK SERVICES LLC3 Filed as: MPB RISK SERVICES | 2407 PARK DRIVE HARRISBURG, PA 17100 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $136 | $0 | $136 | 3.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Claims processing Service code 12 | — | $10K |
| MPB RISK SERVICES, LLC EIN 85-0556241 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $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 | 21 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA COMPANIES, INC. | 50 | $20K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 46 | $3K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 35 | $27K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 35 | $27K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 35 | $27K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 22 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50 | — |
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.