| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $48K | — | $48K | 3.68% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: HAMPSON MOWRER KREITZ | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 6.41% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.86% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$13K | — | -$13K | -4.88% |
| MICHAEL STOCKER3 | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | AMFIRST | $7K | — | $7K | 5.00% |
| MORGAN WHITE LIMITED3 | DBA MWG BROKER SERVICES PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $7K | — | $7K | 5.00% |
| HAMPSON MOWRER AGENCY LLC3 | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $461 | $18 | $479 | 20.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | GBS DIVISION 200 JEFFERSON PARK WHIPPANY, NJ 07981 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 2.49% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 2.02% |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 241 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $258K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $258K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $258K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $258K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $258K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 241 | $1.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
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.