| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | HIGHMARK, INC | $3K | $0 | $3K | 6.14% |
| WEVODAU INS. & BENEFIT STRATEGIES3 Filed as: WEVODAU, GERRY | 600 N FRONT ST WORMLEYSBURG, PA 17043 | HIGHMARK, INC | $1K | $0 | $1K | 2.54% |
| EMERSON REID LLC3 | 100 PINEWOOD LANE STE 301 WARRENDALE, PA 15086 | HIGHMARK, INC | $362 | $0 | $362 | 0.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLNET HEALTHCARE ADMINISTRATORS, ADMIN | Claims processing Service code 12 | 900 NORTHBROOK DRIVE SUITE 300 TREVOSE, PA 19053 | $66K |
| GUNN-MOWERY LLC BROKER | Insurance agents and brokers Service code 22 | PO BOX 900 CAMP HILL, PA 17001 | $43K |
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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK, INC | 125 | $52K |
| Vision | HIGHMARK, INC | 125 | $52K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 108 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.