| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLONIAL PARK REALTY3 | PO BOX 6118 5912 LINGLESTOWN RD HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $228 | $4K | 13.12% |
| BH PREFERRED LLC3 Filed as: BH PREFERRED | 2817 WEST END AVE, STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.57% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $111 | $111 | 0.36% |
| COLONIAL PARK REALTY3 | PO BOX 6118 5912 LINGLESTOWN RD HARRISBURG, PA 17112 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $174 | $2K | 11.90% |
| BH PREFERRED LLC3 Filed as: BH PREFERRED | 2817 WEST END AVE, STE 126-281 NASHVILLE, TN 37203 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $822 | $822 | 3.92% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $341 | $341 | 1.62% |
| COLONIAL PARK REALTY3 Filed as: COLONIAL PARK REALTY DBA ENDER | 5912 LINGLESTOWN ROAD HARRISBURG, PA 17112 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $121 | $0 | $121 | 4.00% |
| COLONIAL PARK REALTY3 | PO BOX 6118 5912 LINGLESTOWN RD HARRISBURG, PA 17112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $440 | $22 | $462 | 15.76% |
| BH PREFERRED LLC3 Filed as: BH PREFERRED | 2817 WEST END AVE, STE 126-281 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $129 | $129 | 4.40% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MA 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $17 | $17 | 0.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $38K |
| ENDERS INSURANCE ASSOCIATES EIN 23-1605577 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| REVIVEHEALTH, INC. EIN 86-1279290 OTHER | Other services Service code 49 | — | $5K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $3K |
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 | 32 | 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) | 32 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 28 | $21K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 51 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $31K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $31K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CRUM & FORSTER | 29 | $208K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.