| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18K | $1K | $19K | 8.67% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.00% |
| MJ INSURANCE3 Filed as: JAMES BARTLETT LLC & VARIOUS AGENTS | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $909 | $51 | $960 | 0.43% |
| LANCE A BRADLEY3 Filed as: LANCE A. BRADLEY | 2028 MOUNT VERON CIRCLE HARRISBURG, PA 17110 | THE PAUL REVERE LIFE INSURANCE COMPANY | $849 | $34 | $883 | 0.40% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | THE PAUL REVERE LIFE INSURANCE COMPANY | $661 | $0 | $661 | 0.30% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 EAST HAMILTON LANE BATTLE CREEK, MI 49015 | THE PAUL REVERE LIFE INSURANCE COMPANY | $528 | $0 | $528 | 0.24% |
| CASEY H EBBERT3 Filed as: CASEY H. EBBERT | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $423 | $0 | $423 | 0.19% |
| USI INSURANCE SERVICES LLC3 | PO BOPX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 10.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.74% |
| USI INSURANCE SERVICES LLC3 | PO BOPX 66995 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELEITY SECURITY LIFE INS. CO. NY | $3K | $0 | $3K | 12.50% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $624 | $56 | $680 | 4.53% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $462 | $1 | $463 | 3.09% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 801 | 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) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELEITY SECURITY LIFE INS. CO. NY | 505 | $20K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 801 | $118K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 801 | $118K |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 801 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 801 | — |
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.