| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GLATFELTER AGENCY INC. Filed as: THE GLATFELTER AGENCY | 183 LEADER HEIGHTS RD PO BOX 2885 YORK, PA 17402 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $7K | — | $7K | 0.46% |
| HAYS COMPANIES, INC. Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $5K | — | $5K | 0.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $488 | $479 | $967 | 10.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE CO | $728 | $364 | $1K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $288 | $144 | $432 | 15.01% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | — |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PWKY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $72 | $72 | — |
| ENGLE-HAMBRIGHT & DAVIES, INC. Filed as: ENGLE-HAMBRIGHT & DAVIES | — | DELTA DENTAL | $306 | — | $306 | — |
| HAYS COMPANIES, INC. Filed as: HAY COMPANIES | — | DELTA DENTAL | $45 | — | $45 | — |
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 | 0 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 157 | $1.5M |
| Dental | DELTA DENTAL | 187 | $0 |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC. | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 120 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.