| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLONIAL PARK REALTY3 Filed as: COLONIAL PARK REALTY DBA ENDERS INS | PO BOX 6118 5912 LINGLESTOWN RD HARRISBURG, PA 17112 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.43% |
| BH PREFERRED LLC3 | STE 402 1900 CHURCH ST NASHVILLE, TN 37203 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $813 | $2K | 7.59% |
| COLONIAL PARK REALTY3 Filed as: COLONIAL PARK REALTY DBA ENDERS INS | PO BOX 6118 5912 LINGLESTOWN ROAD HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 17.12% |
| BH PREFERRED LLC3 | STE 402 1900 CHURCH ST NASHVILLE, PA 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $642 | $513 | $1K | 6.12% |
| COLONIAL PARK REALTY3 Filed as: COLONIAL PARK REALTY DBA ENDERS INS | PO BOX 6118 5912 LINGLESTOWN ROAD HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 18.49% |
| BH PREFERRED LLC3 | STE 402 1900 CHURCH ST NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $204 | $164 | $368 | 6.43% |
| COLONIAL PARK REALTY3 Filed as: COLONIAL PARK REALTY DBA ENDER INS. | PO BOX 6118 5912 LINGLESTOWN RD HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $449 | $0 | $449 | 18.03% |
| BH PREFERRED LLC3 | STE 402 1900 CHURCH ST. NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82 | $66 | $148 | 5.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $17K |
| COLONIAL PARK REALTY COMPANY ENDERS BROKER | Insurance agents and brokers Service code 22 | 5912 LINGLESTOWN ROAD HARRISBURG, PA 17112 | $10K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
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 | 40 | 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) | 41 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 36 | $24K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 35 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $2K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $19K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 33 | $145K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.