| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE, SUITE 301 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $1K | $38K | 17.31% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 10.34% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE, SUITE 301 MECHANICSBURG, PA 17055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 9.95% |
| LANCE A BRADLEY3 Filed as: LANCE A. BRADLEY | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $259 | $5 | $264 | 0.55% |
| CASEY H EBBERT3 Filed as: CASEY EBBERT | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $189 | $0 | $189 | 0.39% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $0 | $141 | 0.29% |
| ASHLEY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $0 | $137 | 0.28% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE, SUITE 301 MECHANICSBURG, PA 17055 | HARTFORD LIFE AND ACCIDENT | $405 | $0 | $405 | 15.00% |
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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 366 | $117K |
| Vision | FSL | 379 | $27K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $266K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $218K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $218K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.