| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC | PO BOX 846 PAOLI, PA 19301 | CAPITAL ADVANTAGE ASSURANCE CO | $10K | — | $10K | 2.99% |
| MICHAEL A. ALFONSO, SR3 | 29 S. MARKET ST ELIZABETHTOWN, PA 17022 | CAPITAL ADVANTAGE ASSURANCE CO | $8K | — | $8K | 2.30% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC | PO BOX 846 PAOLI, PA 19301 | DELTA DENTAL OF PENNSYLVANIA | $8K | — | $8K | 6.00% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC | PO BOX 846 PAOLI, PA 19301 | THE LINCOLN NATIONAL LIFE INS CO | $8K | — | $8K | 15.00% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC | PO BOX 846 PAOLI, PA 19301 | THE LINCOLN NATIONAL LIFE INS CO | $7K | — | $7K | 15.00% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC | PO BOX 846 PAOLI, PA 19031 | SECURITY LIFE INSURANCE CO | $4K | — | $4K | 9.48% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | SECURITY LIFE INSURANCE CO | $2K | — | $2K | 4.74% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 Filed as: PENNSYLVANIA AUTO ASSOC | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 5.89% |
| PAA SERVICES INC3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 2.77% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$3K | — | -$3K | -8.26% |
| MICHAEL A. ALFONSO, SR3 | 118 MERCHANT AVE MOUNT JOY, PA 17552 | UNION SECURITY INSURANCE CO | $2K | — | $2K | 9.15% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC | PO BOX 846 PAOLI, PA 19301 | UNION SECURITY INSURANCE CO | $1K | — | $1K | 4.34% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC | PO BOX 846 PAOLI, PA 19301 | THE LINCOLN NATIONAL LIFE INS CO | $3K | — | $3K | 15.00% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC | PO BOX 846 PAOLI, PA 19301 | NATIONAL VISION ADMINISTRATORS, LLC | $178 | — | $178 | 2.95% |
| MICHAEL A. ALFONSO, SR3 | 2563 MARIETTA AVE LANCASTER, PA 17601 | NATIONAL VISION ADMINISTRATORS, LLC | $123 | — | $123 | 2.04% |
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 | 633 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE CO | 213 | $336K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 491 | $153K |
| Vision(2 contracts, 2 carriers) | NATIONAL VISION ADMINISTRATORS, LLC | 213 | $6K |
| Life insurance(2 contracts, 2 carriers) | SECURITY LIFE INSURANCE CO | 633 | $70K |
| Short-term disability(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INS CO | 431 | $136K |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INS CO | 200 | $117K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE CO | 83 | $336K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 138 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.