| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH ST LEMOYNE, PA 17043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $2K | $13K | 16.79% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH ST LEMOYNE, PA 17043 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 10.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | VISION BENEFITS OF AMERICA | $579 | $0 | $579 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUNN-MOWERY EIN 81-0587373 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| CAPITAL BLUECROSS EIN 23-0455154 CARRIER | 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 | 63 | 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) | 63 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 44 | $35K |
| Vision | VISION BENEFITS OF AMERICA | 36 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 63 | $80K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 63 | $80K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 63 | $80K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 44 | $208K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 63 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.