| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK | $45K | $0 | $45K | 9.10% |
| AMERICAN INSURANCE ADMIN., INC.3 Filed as: AMERICAN INSURANCE ADMIN INC | 4550 LENA DRIVE MECHANICSBURG, PA 17601 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.56% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | — | $188 | $188 | 0.49% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17605 | STANDARD INSURANCE COMPANY | $71 | $0 | $71 | 0.18% |
| AMERICAN INSURANCE ADMIN., INC.3 Filed as: AMERICAN INSURANCE ADMIN INC | 6830 COCHRAN ROAD MECHANICSBURG, PA 17055 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.46% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $0 | $364 | $364 | 1.01% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17605 | STANDARD INSURANCE COMPANY | $116 | $0 | $116 | 0.32% |
| AMERICAN INSURANCE ADMIN., INC.3 Filed as: AMERICAN INSURANCE ADMIN INC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.61% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $0 | $228 | $228 | 0.96% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17605 | STANDARD INSURANCE COMPANY | $119 | $0 | $119 | 0.50% |
| AMERICAN INSURANCE ADMIN., INC.3 Filed as: AMERICAN INSURANCE ADMIN INC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | STANDARD INSURANCE COMPANY | $238 | $0 | $238 | 3.16% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $0 | $75 | $75 | 1.00% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17605 | STANDARD INSURANCE COMPANY | $13 | $0 | $13 | 0.17% |
| AMERICAN INSURANCE ADMIN., INC.3 Filed as: AMERICAN INSURANCE ADMIN INC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 13.56% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17605 | STANDARD INSURANCE COMPANY | $108 | $0 | $108 | 1.44% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $0 | $69 | $69 | 0.92% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 139 | $494K |
| Dental | STANDARD INSURANCE COMPANY | 112 | $39K |
| Vision | STANDARD INSURANCE COMPANY | 100 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 150 | $24K |
| Short-term disability | STANDARD INSURANCE COMPANY | 92 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 25 | $8K |
| Prescription drug | HIGHMARK | 139 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.