| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL GROUP3 Filed as: COMMONWEALTH FINANCIAL, INC. | 4 BARLO CIRCLE DILLSBURG, PA 17019 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $6K | — | $6K | 2.59% |
| COMMONWEALTH FINANCIAL GROUP3 Filed as: COMMONWEALTH FINANCIAL GROUP INC. | 4 BARLO CIRCLE DILLSBURG, PA 17019 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.07% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | 2500 ELMERTON AVE HARRISBURG, PA 17177 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.02% |
| COMMONWEALTH FINANCIAL GROUP | 2 BARLO CIRCLE SUITE B DILLSBURG, PA 17019 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.74% |
| INDEPENDENCE PLANNING GROUP Filed as: INDEPENDENCE PLANNING GROUP, LLC | 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.08% |
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 | 69 | 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) | 69 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 69 | $221K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 62 | $27K |
| Vision(2 contracts) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 69 | $226K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 75 | $41K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 75 | $41K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 75 | $41K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 69 | $221K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 75 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.