| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $82K | $82K | 1.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $5K | $5K | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 335 MADISON AVE FL 20 NEW YORK, NM 100174633 | RELIASTAR LIFE INSURANCE COMPANY | — | $170K | $170K | 5.00% |
| UMR, INC.3 Filed as: UMR INC | MAIL STOP 11 SCOTT STREET STE 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $102K | $102K | 3.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D INC | PO BOX 3320 LANCASTER, PA 17604 | HIGHMARK HEALTH INSURANCE COMPANY | $17K | $0 | $17K | 2.37% |
| SOUTHEAST PLANNING ASSOC. INC.3 | 5 DEPOT STREET PO BOX 1047 ATHENS, OH 45701 | MEDICAL MUTUAL OF OHIO | $18K | $1K | $19K | 2.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 10.43% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | PO BOX 3320 GRANITE RUN DRIVE LANCASTER, PA 17604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.34% |
| CORPORATE BENEFIT SYSTEMS3 | 2507 BROWNCROFT BLVD #205 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.29% |
| H.G.I.D. INC.3 Filed as: H.G.I.D INC | 320 GRANITE RUN DR LANCASTER, PA 17601 | AMERITAS LIFE INSURANCE CORP. | $1K | $0 | $1K | 6.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, INC. | 525 W. MONROE SUITE 600 CHICAGO, IL 60661 | NOVA HEALTHCARE ADMINISTRATORS, INC. | $298 | $3K | $3K | 18.97% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS INC | PO BOX 28 DUBUQUE, IA 52004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $550 | $2K | 14.59% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE AND HEALTH INSURANCE COMPANY | $808 | — | $808 | 10.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | PO BOX 3320 GRANITE RUN DRIVE LANCASTER, PA 17604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $951 | $0 | $951 | 12.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $566 | $113 | $679 | 12.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | 320 GRANITE RUN DRIVE LANCASTER, PA 17604 | VISION BENEFITS OF AMERICA | $241 | $0 | $241 | 5.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | PO BOX 3320 GRANITE RUN DRIVE LANCASTER, PA 17604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $88 | $0 | $88 | 15.09% |
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 | 7,352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 115 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK HEALTH INSURANCE COMPANY | 85 | $1.9M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 6,861 | $5.8M |
| Vision(4 contracts, 4 carriers) | EYEMED VISION CARE | 10,790 | $458K |
| Life insurance(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 6,861 | $5.9M |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 86 | $50K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,861 | $5.8M |
| Prescription drug | HIGHMARK HEALTH INSURANCE COMPANY | 85 | $711K |
| Other(10 contracts, 8 carriers) | AETNA LIFE INSURANCE CO. | 6,861 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,790 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.