| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS4 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | KAISER FOUNDATION HEALTH PLANS INC. | $124K | — | $124K | 3.15% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $308K | — | $308K | 12.43% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 07004 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $190 | $190 | 0.01% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $81K | — | $81K | 4.20% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | KAISER FOUNDATION HEALTH PLANS INC. | $38K | — | $38K | 2.98% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | AVALON INSURANCE COMPANY | $121K | — | $121K | 15.00% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $12K | — | $12K | 2.98% |
| AMERICAN INSURANCE ADMINISTRATORS4 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | EYE-MED | $20K | — | $20K | 5.02% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | EYE-MED - COBRA | $91 | — | $91 | 4.87% |
| FLEX FACTS5 | 7 GRANT AVENUE LAKEWOOD, NJ 08701 | GRANT BENEFIT SOLUTIONS LLC DBA FLEXFACTS | — | $15K | $15K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE INSURANCE COMPANY EIN 23-2195219 CONTRACT ADMIN-ISTRATOR | Contract Administrator; Claims processing; Insurance services Service code 12 | — | $1.4M |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMINISTRATO | Consulting (general) Service code 16 | — | $43K |
| CONEXIS EIN 20-0198855 CONTRACT ADMIN-ISTRATOR | Contract Administrator Service code 13 | — | $15K |
| AMERICAN INSURANCE ADMINISTRATORS INSURANCE AGENT & BROKER | Insurance agents and brokers Service code 22 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | $0 |
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 | 4,950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 129 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 731 | $5.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 3,615 | $1.9M |
| Vision(2 contracts, 2 carriers) | EYE-MED | 6,141 | $410K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,950 | $2.5M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,950 | $2.5M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,950 | $2.5M |
| Prescription drug | KAISER FOUNDATION HEALTH PLANS INC. | 731 | $3.9M |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 2,825 | $807K |
| Other | GRANT BENEFIT SOLUTIONS LLC DBA FLEXFACTS | 611 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,141 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.