| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH ST LEMOYNE, PA 17043 | DOMINION NATIONAL | $2K | $0 | $2K | 9.41% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | PO BOX 900 CAMP HILL, PA 17001 | VISION BENEFITS OF AMERICA | $184 | $0 | $184 | 4.99% |
| WILLIAM MUNRO | 525 CAPRI ROAD LANCASTER, PA 17603 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | — |
| CONSOLIDATED BENEFITS INC Filed as: CONSOLIDATED BENEFITS, INC. | P.O.BOX 774134 HARRISBURG, PA 17177 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUNN-MOWERY BROKER | Insurance agents and brokers Service code 22 | 650 N 12TH STREET LEMOYNE, PA 17043 | $16K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $3K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
| YOUNG, OAKES, BROWN & CO ADMIN | Claims processing Service code 12 | 1210 13TH ST PO BOX 1550 ALTOONA, PA 16603 | $13 |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 26 | $24K |
| Vision | VISION BENEFITS OF AMERICA | 19 | $4K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 58 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.