| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | PO BOX 900 CAMP HILL, PA 17001 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.25% |
| GARRY LYNN JOHNSON3 | 3850 E BASELINE RD STE 121 MESA, AZ 85209 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $764 | $764 | 1.52% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 650 NORTH 12TH ST LEMOYNE, PA 17043 | NATIONAL VISION ADMINISTRATORS LLC (FSL) | $149 | $0 | $149 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $8K |
| GUN-MOWERY EIN 81-0587373 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
| CONNECTCARE# EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $1K |
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 | 39 | 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) | 39 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 59 | $50K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC (FSL) | 52 | $3K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 59 | $50K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 59 | $50K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 59 | $50K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 22 | $88K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.