| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $117K | — | $117K | 3.15% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER J LENZ | 57 WHITE OAK BOULEVARD MECHANICSBURG, PA 17050 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.62% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $394 | — | $394 | 15.02% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $131 | — | $131 | 4.99% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $233 | — | $233 | 15.02% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $78 | — | $78 | 5.03% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER JON LENZ | 100 STERLING PARKWAY SUITE 307 MECHANICSBURG, PA 17050 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER CHARLES COCORES | 100 STERLING PARKWAY SUITE 307 MECHANICSBURG, PA 17050 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $224 | — | $224 | — |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 129 | $3.7M |
| Dental | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 129 | $3.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $145K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $54K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $63K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.