| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HGID INC3 | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | AMERITAS LIFE INSURANCE CORPORATION | $10K | $0 | $10K | 10.00% |
| H.G.I.D. INC.3 | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| H.G.I.D. INC.3 | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| H.G.I.D. INC.3 | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS RD STE 106 COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 4.50% |
| JORDAN SCOTT WEINBERG3 | 1681 BULLOCK CIR OWINGS MILLS, MD 21117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 3.70% |
| COLLEEN A VOGAN3 | 241 TWENG TRAIL LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 1.61% |
| JEANENE MOTSCO3 | 15612 LINDEN GROVE LN WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORST INSURANCE EIN 23-2182039 BROKER | Insurance agents and brokers Service code 22 | — | $55K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN. | Claims processing Service code 12 | — | $9K |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 125 | $98K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 125 | $98K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $27K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 132 | $453K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.