| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONNECTIONS, INC.3 Filed as: BENEFIT CONNECTIONS INC. | 354 ALEXANDER SPRING RD. SUITE 4 CARLISLE, PA 17013 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | $0 | $49K | 7.00% |
| MICHAEL HECHT3 Filed as: MICHAEL P. ROOT | 222 DRUMMERS LANE PHOENIXVILLE, PA 19460 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.68% |
| MICHAEL HECHT3 Filed as: MICHAEL P. ROOT | 222 DRUMMERS LANE PHOENIXVILLE, PA 19460 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.29% |
| MICHAEL HECHT3 Filed as: MICHAEL P. ROOT | 222 DRUMMERS LANE PHOENIXVILLE, PA 19460 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 16.41% |
| BENEFIT CONNECTIONS, INC.3 Filed as: BENEFIT CONNECTIONS | 354 ALEXANDER SPRING RD SUITE 4 CARLISLE, PA 17013 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 15.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N. 12TH STREET LEMOYNE, PA 17043 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 10.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $187K |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 795 | $204K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 726 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $88K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $113K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $695K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.