| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 9.58% |
| BENEFIT DESIGN SPECIALISTS, INC.3 Filed as: BENEFIT DESIGN SPECIALIST | 1 KACEY COURT, SUITE 100 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 5.42% |
| BENEFITMALL3 | 250 WEST OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.01% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 15.00% |
| BENEFITMALL3 | 250 WEST OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $396 | -$396 | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 5.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 258 | $29K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $173K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $173K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.