| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINS. LLC3 | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $10K | 7.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.33% |
| AMERICAN INSURANCE ADMINS. LLC3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 31.39% |
| ALFRED JAMES MIGNOGNA3 | 610 JASMINE AVE ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.24% |
| DAVID J MLINARICH3 Filed as: DAVID JOSEPH MLINARICH | 955 HEDY LYNN DR IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.34% |
| MICHAEL H FLEMING3 Filed as: MICHAEL HENRY FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.15% |
| SHAYNE L BRANDENBURG3 Filed as: SHAYNE LLOYD BRANDENBURG | 17765 RTE 954 N HWY HOME, PA 15747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.61% |
| ALFRED JAMES MIGNOGNA3 Filed as: ALFRED JAMES MIGNOGNA III | 610 JASMINE AVE ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $886 | — | $886 | 2.79% |
| AMERICAN INSURANCE ADMIN., INC.3 Filed as: AMERICAN INSURANCE ADMIN. | 4550 LENA DR MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.21% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $986 | $395 | $1K | 6.86% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $560 | $178 | $738 | 3.67% |
| ALBERT CASTANEDA3 | 2163 RUSH BAY WAY ORLANDO, FL 32824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.65% |
| LINDA LEE SPECK3 | 60 BLUE RIVER LN MOUNT UNION, PA 17066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.58% |
| CASEY H EBBERT3 | 465 LOCUST RUN DR YORK, PA 17404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.18% |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.11% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.10% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTH AMERICAN SPECIALTY INS. CO. EIN 02-0311919 BROKER | Contract Administrator; Claims processing Service code 12 | — | $105K |
| BENECARD SERVICES, INC. EIN 22-2998772 TPA | Claims processing; Contract Administrator Service code 12 | — | $26K |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PA | 164 | $117K |
| Vision | FSL | 172 | $27K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $148K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $128K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $128K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.