| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEAVER INSURANCE GROUP3 | 10791 BUCK RUN DRIVE HUNTINGDON, PA 16652 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $0 | $32K | 7.25% |
| CLIFF BEAVER3 | 10791 BUCK RUN RD HUNTINGDON, PA 16652 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 2.11% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $0 | $496 | 3.81% |
| ASHLY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $0 | $144 | 1.11% |
| MARK D ELCOCK3 | 227 1/2 DUQUESNE AVE TRAFFORD, PA 15085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.51% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.23% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.07% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 176016511 | AMERITAS LIFE INSURANCE CORP. | $738 | $0 | $738 | 11.00% |
| JONATHAN D FEATHER3 | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $63 | $0 | $63 | 3.46% |
| MELISSA R FEATHER3 | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $36 | $0 | $36 | 1.98% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $21 | $0 | $21 | 1.15% |
| VICKI J VELTRI3 | 1175 BALKAN DR PITTSBURGH, PA 15239 | AFLAC | $15 | $0 | $15 | 0.82% |
| LEE ANN M. KLINE3 Filed as: LEE ANN M KLINE | 18 PINTAIL DRIVE PITTSBURGH, PA 15238 | AFLAC | $13 | $0 | $13 | 0.71% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 135 | $448K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $123K |
| Vision | VISION BENEFITS OF AMERICA | 359 | $49K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 468 | $140K |
| Short-term disability | AFLAC | 5 | $2K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 468 | $127K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 468 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.