| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRIAGE HOUSE INS. AGENCY3 | 404 WASHINGTON STREET PO BOX 577 HUNTINGDON, PA 16652 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 4.29% |
| BEAVER INSURANCE GROUP3 | 10791 BUCK RUN DRIVE HUNTINGDON, PA 16652 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 2.98% |
| CLIFF BEAVER3 | 10791 BUCK RUN RD HUNTINGDON, PA 16652 | VISION BENEFITS OF AMERICA | $954 | $0 | $954 | 1.88% |
| CARRIAGE HOUSE INS. AGENCY3 Filed as: CARRIAGE HOUSE INSURANCE INC | 404 WASHINGTON STREET HUNTINGDON, PA 16652 | VISION BENEFITS OF AMERICA | $455 | $0 | $455 | 0.90% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | $0 | $475 | 3.43% |
| ASHLY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 1.51% |
| T NASH SKILES INC3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.67% |
| MARK D ELCOCK3 | 227 1/2 DUQUESNE AVE TRAFFORD, PA 15085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.51% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.23% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.07% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 176016511 | AMERITAS LIFE INSURANCE CORP. | $738 | $0 | $738 | 9.48% |
| JONATHAN D FEATHER3 | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $25 | $0 | $25 | 3.43% |
| MELISSA R FEATHER3 | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $15 | $0 | $15 | 2.06% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $8 | $0 | $8 | 1.10% |
| VICKI J VELTRI3 | 1175 BALKAN DR PITTSBURGH, PA 15239 | AFLAC | $6 | $0 | $6 | 0.82% |
| LEE ANN M. KLINE3 Filed as: LEE ANN M KLINE | 18 PINTAIL DRIVE PITTSBURGH, PA 15238 | AFLAC | $5 | $0 | $5 | 0.69% |
| KIMMON R GUSEMAN3 Filed as: KIMMON R GUSMAN | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | AFLAC | $3 | $0 | $3 | 0.41% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $3 | $0 | $3 | 0.41% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY, PA 16066 | AFLAC | $2 | $0 | $2 | 0.27% |
| GAILE F DELBAUGH3 | PO BOX 83 MOUNT GRETNA, PA 17064 | AFLAC | $2 | $0 | $2 | 0.27% |
| GAILE F DELBAUGH3 | PO BOC 83 MT. GRETNA, PA 17064 | AFLAC | $2 | $0 | $2 | 0.27% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1 | $0 | $1 | 0.14% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINGTON, TN 37919 | AFLAC | $1 | $0 | $1 | 0.14% |
| TERESA L FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | AFLAC | $1 | $0 | $1 | 0.14% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1 | $0 | $1 | 0.14% |
| TERESA L FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | AFLAC | $1 | $0 | $1 | 0.14% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $1 | $0 | $1 | 0.14% |
| THE TORRES GROUP LLC3 Filed as: THE TORRES GROUP | 1750 FARMINGTON CIRCLE WELLINGTON, TN 37919 | AFLAC | $1 | $0 | $1 | 0.14% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $0 | $0 | $0 | 0.00% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $0 | $0 | $0 | 0.00% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUILAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $0 | $0 | $0 | 0.00% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 833 NORTH PARK RD SUITE 220 READING, PA 19610 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 131 | $409K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $102K |
| Vision | VISION BENEFITS OF AMERICA | 354 | $51K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 442 | $116K |
| Short-term disability | AFLAC | 5 | $728 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 442 | $103K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 442 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.