| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK, INC. | $34K | $0 | $34K | 1.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 23.29% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 8.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $74 | $2K | 6.76% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $881 | $197 | $1K | 3.89% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $615 | $275 | $890 | 3.21% |
| EAGLE-HAMBRIGHT & DAVIES, INC3 Filed as: EAGLE-HAMBRIGHT DAVIES INC | PO BOX 11600 LANCASTER, PA 17605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $519 | $0 | $519 | 1.87% |
| ELIZABETH J GRIFFITHS & OTHER AGENT3 | 3893 SWEET ARROW LAKE ROAD PINE GROVE, PA 17963 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $437 | $15 | $452 | 1.63% |
| ROGERS BENEFIT GROUP INC3 Filed as: EMEROSN ROGERS LLC | 400 POST AVENUE, SUITE 210 WESTBURY, NY 11590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.78% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 EAST HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $0 | $191 | 0.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 424 WILLIAM STREET WILLIAMSPORT, PA 17701 | VISION BENEFITS OF AMERICA | $294 | — | $294 | 4.22% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 143 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $46K |
| Vision | VISION BENEFITS OF AMERICA | 86 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $100K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 23 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $73K |
| Prescription drug | HIGHMARK, INC. | 143 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.