| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS INSURANCE AGENCY INC. | 1301 MADISON AVE DUNMORE, PA 18503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 11.62% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PARKWAY WEST, SUITE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 0.04% |
| MAZZMAR LLC3 | 1767 SENTRY PARKWAY W STE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 0.04% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS. & BENEFITS GRP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $824 | $3K | 29.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CUMMINGS INSURANCE AGENCY EIN 23-2732076 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| GEISINGER HEALTH PLAN EIN 23-2815174 ADMIN | Claims processing Service code 12 | — | $16K |
| CONNECTCARE3 LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $5K |
| HIGHMARK BCBS NEPA EIN 23-2413324 ADMIN | Claims processing Service code 12 | — | $1 |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $44K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $44K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $9K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 74 | $306K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.