| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNIMERICA INSURANCE COMPANY | $7K | $0 | $7K | 4.00% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIR LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 18.74% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD SUITE 19 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 10.09% |
| INGGROUP ASSOCIATES, INC.3 | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIR LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $507 | $3K | 18.76% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD SUITE 19 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $761 | $816 | $2K | 11.71% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIR LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $658 | $162 | $820 | 18.69% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD SUITE 19 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $243 | $213 | $456 | 10.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $130K |
| PATH ADMINISTRATORS EIN 46-1226464 ADMIN | Claims processing Service code 12 | — | $124K |
| INGROUP ASSOCIATES, INC. BROKER | Insurance agents and brokers Service code 22 | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | $15K |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 180 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $13K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 274 | $174K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 301 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.