| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD LINN3 Filed as: TODD M LINN | 54 S. COMMERCE WAY, STE. 150 BETHLEHEM, PA 18017 | HIGHMARK INC. | $70K | — | $70K | 3.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK INC. | $3K | — | $3K | 0.12% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: HAMPSON MOWRER KREITZ | 54 S. COMMERCE WAY, SUITE 150 BETHLEHEM, PA 18017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 9.44% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 3.47% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY W., STE, 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 249 | $2.3M |
| Dental | HIGHMARK INC. | 249 | $2.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 416 | $288K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 416 | $288K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 416 | $288K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 416 | $288K |
| Prescription drug | HIGHMARK INC. | 249 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 416 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.