| 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 | $38K | $0 | $38K | 7.00% |
| COMMONWEALTH FINANCIAL GROUP3 | 2 BARLO CIRCLE, STE C DILLSBURG, PA 17019 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $0 | $9K | 7.50% |
| COMMONWEALTH FINANCIAL GROUP3 | 2 BARLO CIRCLE, STE C DILLSBURG, PA 17019 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $0 | $7K | 7.50% |
| COMMONWEALTH FINANCIAL GROUP3 | 2 BARLO CIRCLE, STE C DILLSBURG, PA 17019 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 7.50% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N. 12TH STREET LEMOYNE, PA 17043 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 10.00% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $190K |
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 | 437 | 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) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 887 | $208K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 734 | $33K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 437 | $87K |
| Short-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 437 | $161K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 262 | $113K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 388 | $548K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 437 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 887 | — |
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.