| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMIN., INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | KAISER FOUNDATION HEALTH PLAN, INC. | $151K | $0 | $151K | 2.28% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $81K | $81K | 4.08% |
| AMERICAN INSURANCE ADMIN., INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $58K | $0 | $58K | 2.92% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $168K | $478 | $169K | 32.32% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM INSURANCE COMPANY | $91K | $4K | $95K | 18.21% |
| GCG FINANCIAL LLC3 Filed as: AIA ALERA GROUP | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $11K | $0 | $11K | 4.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 0.40% |
| AMERICAN INSURANCE ADMIN., INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $0 | $6K | 3.95% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA BENEFITS RESOURCE | 4550 LENA DRIVE, SUITE 301 MECHANICSBURG, PA 17055 | METLIFE LEGAL PLANS | $11K | $2K | $12K | 12.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | METLIFE LEGAL PLANS | $88 | $0 | $88 | 0.09% |
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 | 3,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 665 | $6.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 3,732 | $259K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,295 | $2.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,295 | $2.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,295 | $2.0M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 665 | $6.8M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,295 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,732 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.