| 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 | $37K | $0 | $37K | 7.26% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DO | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | SYMETRA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 13.47% |
| CLIFF BEAVER3 | 10791 BUCK RUN RD HUNTINGDON, PA 16652 | VISION BENEFITS OF AMERICA | $973 | $0 | $973 | 2.26% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $0 | $549 | 4.43% |
| ASHLY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.82% |
| MARK D ELCOCK3 | 227 1/2 DUQUESNE AVE TRAFFORD, PA 15085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.59% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.27% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.09% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 176016511 | AMERITAS LIFE INSURANCE CORP. | $767 | $0 | $767 | 11.00% |
| JONATHAN D FEATHER3 | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $75 | $0 | $75 | 3.43% |
| MELISSA R FEATHER3 | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $44 | $0 | $44 | 2.01% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $25 | $0 | $25 | 1.14% |
| VICKI J VELTRI3 | 1175 BALKAN DR PITTSBURGH, PA 15239 | AFLAC | $18 | $0 | $18 | 0.82% |
| LEE ANN M. KLINE3 Filed as: LEE ANN M KLINE | 18 PINTAIL DRIVE PITTSBURGH, PA 15238 | AFLAC | $16 | $0 | $16 | 0.73% |
| KIMMON R GUSEMAN3 | 47 E FAYETTE ST UNIT 259 UNIONTOWN, PA 15401 | AFLAC | $10 | $0 | $10 | 0.46% |
| TYE ELLIOT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $9 | $0 | $9 | 0.41% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $7 | $0 | $7 | 0.32% |
| GAILE F DELBAUGH3 | PO BOX 83 MOUNT GRETNA, PA 17064 | AFLAC | $5 | $0 | $5 | 0.23% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | $0 | $3 | 0.14% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $3 | $0 | $3 | 0.14% |
| TERESA L FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | AFLAC | $3 | $0 | $3 | 0.14% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $1 | $0 | $1 | 0.05% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $1 | $0 | $1 | 0.05% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $1 | $0 | $1 | 0.05% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $1 | $0 | $1 | 0.05% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 137 | $510K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $126K |
| Vision | VISION BENEFITS OF AMERICA | 299 | $43K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 433 | $122K |
| Short-term disability | AFLAC | 5 | $2K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 433 | $110K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 433 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.