| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 57 WHITE OAK BLVD MECHANICSBURG, PA 17050 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 3.76% |
| SILVER BEECH CONSULTING GROUP3 | 39 W MAIN STREET MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $1K | $0 | $1K | 1.24% |
| LENZ, CHRISTOPHER J3 | 57 WHITE OAK BLVD MECHANICSBURG, PA 17050 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 11.22% |
| SILVER BEECH CONSULTING GROUP3 | PO BOX 148 MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$88 | $0 | -$88 | -0.15% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, INC. | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK | $684 | $0 | $684 | 4.26% |
| LENZ, CHRISTOPHER J3 | 57 WHITE OAK BLVD MECHANICSBURG, PA 17050 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $696 | $0 | $696 | 14.94% |
| SILVER BEECH CONSULTING GROUP3 | PO BOX 148 MECHANICSBUG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | $0 | $68 | 1.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $108K |
| SILVER BEACH CONSULTING GROUP, LLC BROKER | Insurance agents and brokers Service code 22 | 39 W MAIN STREET MECHANICSBURG, PA 17055 | $59K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $35K |
| 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 | 223 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 279 | $89K |
| Vision | HIGHMARK | 251 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $60K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 225 | $437K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.