| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: AVON DIXON AN ALERA GROUP AGENCY LL | 28640 MARYS CT STE 100 EASTON, MD 21601 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $42K | $42K | 5.02% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 N PARK DR STE 310 HUNT VALLEY, MD 19209 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 1.48% |
| GCG FINANCIAL LLC3 Filed as: AVON DIXON AN ALERA GROUP AGENCY LL | 28640 MARYS CT STE 100 EASTON, MD 21601 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.42% |
| GROUP BENEFITS LTD Filed as: GROUP SERVICES LLC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | WELLMARK HEALTH PLAN OF IOWA | $10K | — | $10K | 5.49% |
| HOWARD LAMPLUGH | 230 E. BISHOP HOLLOW RD MEDIA, PA 19063 | DOMINION NATIONAL | $3K | — | $3K | 7.00% |
| HOWARD LAMPLUGH3 | 230 E. BISHOP HOLLOW RD MEDIA, PA 19063 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| HOWARD LAMPLUGH3 | 230 E. BISHOP HOLLOW RD MEDIA, PA 19063 | HARTFORD LIFE AND ACCIDENT | $568 | — | $568 | 15.00% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $1.0M |
| Dental | DOMINION NATIONAL | 106 | $42K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 120 | $4K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 78 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.