| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | HIGHMARK INC | $2K | $0 | $2K | 3.84% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD, PHILIP BRIAN | PO BOX 900 CAMP HILL, PA 17001 | HIGHMARK INC | $2K | $0 | $2K | 3.57% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK INC | $1K | $0 | $1K | 1.75% |
| MOWERY ASSOCIATES3 Filed as: MOWERY, THEODORE | 650 N 12TH STREET LEMOYNE, PA 17043 | HIGHMARK INC | $2 | $0 | $2 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $143 | $3K | 8.23% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 NORTH 12TH ST LEMOYNE, PA 17043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUNN MOWERY, LLC BROKER | Claims processing Service code 12 | 650 NORTH 12 ST LEMOYNE, PA 17043 | $13K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Claims processing Service code 12 | — | $8K |
| HIGHMARK, INC EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $3K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC | 200 | $59K |
| Vision | HIGHMARK INC | 200 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $31K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 95 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.