| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORST INSURANCE3 Filed as: HGID INC DBA HORST INSURANCE | PO BOX 3320 LANCASTER, PA 17604 | HIGHMARK, INC. | $66K | — | $66K | 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% |
| H.G.I.D. INC.3 | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 11.89% |
| H.G.I.D. INC.3 | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $721 | $5K | 11.85% |
| H.G.I.D. INC.3 | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $556 | $4K | 11.84% |
| STOUDT ADVISORS3 | 772 LITITZ PIKE LITITZ, PA 17543 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11 | — | $11 | 8.73% |
| MARILYN GEHRINGER3 | 280 GRANITE RUN SUITE 250 LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8 | — | $8 | 6.35% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 231 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 308 | $74K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 308 | $74K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $30K |
| Prescription drug | HIGHMARK, INC. | 231 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.