| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFIT INVESTMENTS LLC | 3909 WASHINGTON ROAD, SUITE 311 MCMURRAY, PA 15317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFIT INVESTMENTS LLC | 3909 WASHINGTON ROAD, SUITE 311 MCMURRAY, PA 15317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFIT INVESTMENTS LLC | 3909 WASHINGTON ROAD, SUITE 311 MCMURRAY, PA 15317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BYERLY INSURANCE AGENTS3 | 525 N 12TH ST, PO BOX 525 LEMOYNE, PA 170430525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.76% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 0.26% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFIT INVESTMENTS LLC | 3909 WASHINGTON ROAD, SUITE 311 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $606 | — | $606 | 4.03% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $406 | — | $406 | 2.70% |
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 | 414 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 419 | $4.1M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 891 | $221K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 419 | $4.0M |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 471 | $93K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $60K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $58K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 419 | $4.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.