| 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 | HIGHMARK, INC. | $63K | — | $63K | 3.97% |
| HORST INSURANCE3 Filed as: HGID INC DBA HORST INSURANCE | 320 GRANITE RUN DRIVE LANCASTER, PA 176043320 | AMERITAS LIFE INSURANCE CORPORATION | $7K | — | $7K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID,LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 22.56% |
| EMERSON REID LLC3 Filed as: EMERSON REID,LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, PA 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 27.63% |
| EMERSON REID LLC3 Filed as: EMERSON REID,LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, PA 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $691 | $3K | 27.00% |
| MARILYN GEHRINGER3 | 280 GRANITE RUN SUITE 250 LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | — | $20 | 15.50% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 224 | $1.6M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 266 | $72K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 266 | $72K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.