| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORST INSURANCE3 Filed as: HGID INC DBA HORST INSURANCE | 320 GRANITE RUN DRIVE LANCASTER, PA 176043320 | HEALTH AMERICA OF PENNSYLVANIA, INC. | $43K | — | $43K | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1 INTERNATIONAL PLAZA STE 400 PHILADELPHIA, PA 19113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $630 | $4K | 17.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1 INTERNATIONAL PLAZA STE 400 PHILADELPHIA, PA 19113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $573 | $5K | 22.87% |
| HORST INSURANCE3 Filed as: HGID INC DBA HORST INSURANCE | 320 GRANITE RUN DRIVE LANCASTER, PA 176043320 | SECURITY LIFE INSURANCE COMPANY | $2K | $3K | $5K | 33.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1 INTERNATIONAL PLAZA STE 400 PHILADELPHIA, PA 19113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $490 | $2K | 26.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1 INTERNATIONAL PLAZA STE 400 PHILADELPHIA, PA 19113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $159 | $1K | 22.63% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH AMERICA OF PENNSYLVANIA, INC. | 168 | $1.1M |
| Dental | SECURITY LIFE INSURANCE COMPANY | 79 | $16K |
| Vision | SECURITY LIFE INSURANCE COMPANY | 79 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $23K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.