| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETERMAN BENEFITS3 Filed as: PETERMAN BENEFITS LTD | PO BOX 249 MONTGOMERYVILLE, PA 18936 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.79% |
| PETERMAN BENEFITS3 Filed as: PETERMAN BENEFTIS LTD | PO BOX 249 MONTGOMERYVILLE, PA 18936 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.37% |
| PETERMAN BENEFITS3 Filed as: PETERMAN BENEFITS LTD | PO BOX 249 MONTGOMERYVILLE, PA 18936 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.47% |
| PETERMAN BENEFITS3 Filed as: PETERMAN BENEFITS LTD | PO BOX 249 MONTGOMERYVILLE, PA 18936 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.32% |
| PETERMAN BENEFITS3 | 105 MONTGOMERY AVE MONTGOMERYVILLE, PA 18936 | VISION SERVICE PLAN | $933 | $0 | $933 | 6.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $59K |
| PETERMAN BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 105 MONTGOMERY AVE SUITE 2051 MONTGOMERYVILLE, PA 18936 | $40K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $81K |
| Vision | VISION SERVICE PLAN | 131 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $37K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 130 | $287K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.