| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES LLC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $11K | $51K | 13.01% |
| T NASH SKILES INC3 Filed as: T. NASH SKILES, INC. | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $19K | $49K | 12.46% |
| MJ INSURANCE3 Filed as: BRENDA L. PLACKO AND VARIOUS AGENTS | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $5K | $33K | 8.55% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT SLTNS. INC. | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $14K | $25K | 6.29% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 EAST HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 2.54% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 2.20% |
| THOMAS F HAYES3 Filed as: THOMAS F. HAYES | 2205 OREGON PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $780 | $7K | 1.72% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES LLC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 358 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 370 | $390K |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 358 | $144K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 358 | $144K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $20K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.