| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA COMPANY | $12K | $3K | $14K | 14.86% |
| STRICKLER INSURANCE AGENCY, INC3 | 161 NORTH 8TH ST LEBANON, PA 17046 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $5K | — | $5K | 9.06% |
| ALBERT SAMUEL BOORE JR3 | 717 MARKET ST STE 110 LEMOYNE, PA 17043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 4.12% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 4.01% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.90% |
| JIM BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.62% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 185 | $55K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 185 | $55K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA COMPANY | 150 | $97K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA COMPANY | 150 | $97K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA COMPANY | 150 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.