| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $28K | $4K | $32K | 11.82% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27K | $0 | $27K | 9.97% |
| MJ INSURANCE3 Filed as: LANCE A BRADLEY AND VARIOUS AGENTS | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9K | $1K | $10K | 3.82% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 EAST HAMILTON LANE BATTLE CREEK, MI 49015 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $43 | $3K | 1.16% |
| CASSEY H EBBERT3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $9 | $3K | 0.92% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.91% |
| JAMES H CROUTHAMEL3 | 1308 CUSHMORE ROAD SOUTHAMPTON, PA 18966 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $2 | $2K | 0.80% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET, SUITE 900 BUFFALO, NY 14210 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 3.99% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE CO OF AMERICA | $3K | $0 | $3K | 11.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $2K | $0 | $2K | 9.75% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $831 | $3K | 30.21% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $139 | $2K | 22.37% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66995 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $8 | $0 | $8 | 8.00% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 436 | $20K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 383 | $122K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $62K |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 383 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.