| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STORE INC.3 Filed as: BENEFIT STORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 12.72% |
| FRANK A. BEHUM JR.3 | 3753 OLD PHILADELPHIA PIKE BETHLEHEM, PA 18015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.35% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.13% |
| DENTON E QUICK3 | 2170 READING AVENUE READING, PA 19609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $771 | — | $771 | 0.55% |
| JACQUELINE EBERZ3 Filed as: JACQUELINE M EBERZ | 98 LAMP POST RD NEW BRITAIN, PA 18901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $454 | — | $454 | 0.32% |
| JOSEPH B MCGINTY JR3 | 520 W FOURTH ST WILLIAMSPORT, PA 17701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | — | $317 | 0.22% |
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 | 1,006 | 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) | 1,006 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE COMPANY | 955 | $286K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 955 | $286K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 955 | $286K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 955 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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.