| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEAVER INSURANCE GROUP3 | 10791 BUCK RUN DR HUNTINGDON, PA 16652 | HARTFORD LIFE AND ACCIDENT | $41K | $0 | $41K | 7.28% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGG, CONSELMAN, MICHAELS & DOWNES | 555 FAIRMOUNT AVE TOWSON, MD 21286 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 10.86% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17606 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.34% |
| CLIFF BEAVER3 | 10791 BUCK RUN RD HUNTINGDON, PA 16652 | VISION BENEFITS OF AMERICA | $939 | $0 | $939 | 2.44% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 176016511 | AMERITAS LIFE INSURANCE CORP. | $253 | $0 | $253 | 10.99% |
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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 139 | $558K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $99K |
| Vision | VISION BENEFITS OF AMERICA | 288 | $39K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 421 | $109K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 421 | $109K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 421 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.