| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLAHERTY, RONALD3 | 1473 DUNWOODY DRIVE WEST CHESTER, PA 19380 | HIGHMARK INC. | $13K | $0 | $13K | 2.85% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK INC. | $6K | $0 | $6K | 1.42% |
| FLAHERTY, RONALD3 | 1473 DUNWOODY DRIVE WEST CHESTER, PA 19380 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $240 | $0 | $240 | 0.22% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $120 | $0 | $120 | 0.11% |
| AEGIS GENERAL INSURANCE AGENCY3 | 4507 NORTH FRONT STREET SUITE 200 HARRISBURG, PA 17110 | AXIS INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | 521 WEST MAIN STREET PO BOX 391 LANSDALE, PA 19446 | AXIS INSURANCE COMPANY | $3K | $0 | $3K | 7.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE | 521 WEST MAIN STREET PO BOX 391 LANSDALE, PA 19446 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
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 | 42 | 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) | 42 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 74 | $454K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 95 | $27K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 78 | $110K |
| Other | AXIS INSURANCE COMPANY | 19 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.
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.