| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 555 EAST LANCASTER AVE., SUITE 300 PO BOX 7300 WAYNE, PA 190877300 | AVALON INSURANCE COMPANY | $21K | — | $21K | 3.00% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 280 GRANITE RUN DR SUITE 250 LANCASTER, PA 17601 | SUNLIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 7.04% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 2.49% |
| CORPORATE HEALTHCARE STRATEGIES LLC3 | 280 GRANITE RUN DR SUITE 250 LANCASTER, PA 17601 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $21K | $3K | $24K | 10.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $763 | $763 | 0.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Insurance services Service code 23 | — | $50K |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 NONE | Insurance services Service code 23 | — | $14K |
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 | 1,679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 198 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN CENTRAL | 32 | $130K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,872 | $426K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,982 | $227K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 1,481 | $694K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,872 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,982 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.