| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH ST LEMOYNE, PA 17043 | DOMINION NATIONAL | $3K | $0 | $3K | 11.30% |
| WILLIAM MUNRO3 | 525 CAPRI ROAD LANCASTER, PA 17603 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 11.00% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | P.O.BOX 774134 HARRISBURG, PA 17177 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $732 | $0 | $732 | 5.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | PO BOX 900 CAMP HILL, PA 17001 | VISION BENEFITS OF AMERICA | $227 | $0 | $227 | 5.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | AFLAC | $135 | $0 | $135 | 3.30% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PA 17319 | AFLAC | $78 | $0 | $78 | 1.91% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $35 | $0 | $35 | 0.86% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $35 | $0 | $35 | 0.86% |
| GLORIANNA SORAYA HITA-VARGAS3 | 8607 DIAMOND RUN CT SEVEN VALLEYS, PA 17360 | AFLAC | $23 | $0 | $23 | 0.56% |
| JEFFREY R STAUFFER3 | 2190 CANTERBURY DR MECHANICSBURG, PA 17055 | AFLAC | $18 | $0 | $18 | 0.44% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $13 | $0 | $13 | 0.32% |
| KENNETH L GOOD3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $10 | $0 | $10 | 0.24% |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $9 | $0 | $9 | 0.22% |
| KRISTIN R WEEKS3 | 368 BONNEY BROOK RD GRAND LAKE STREAM, ME 04668 | AFLAC | $8 | $0 | $8 | 0.20% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $7 | $0 | $7 | 0.17% |
| MATTHEW G BERGER3 | 10 UNION AVE APT 302 BALA CYNWARD, PA 19004 | AFLAC | $2 | $0 | $2 | 0.05% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | $0 | $1 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | $0 | $1 | 0.02% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | $0 | $1 | 0.02% |
| MARTIN E BYSTROM2 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | $0 | $1 | 0.02% |
| CHRISTOPHER A LUPP3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $1 | $0 | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUNN-MOWERY BROKER | Insurance agents and brokers Service code 22 | 650 N 12TH STREET LEMOYNE, PA 17043 | $17K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | -$24 |
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(2 contracts, 2 carriers) | DOMINION NATIONAL | 31 | $34K |
| Vision | VISION BENEFITS OF AMERICA | 23 | $5K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47 | $15K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AVALON INSURANCE COMPANY | 50 | $255K |
| Other | AFLAC | 4 | $4K |
| 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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.