| 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: RIGGS, CONSELMAN, MICHAELS & DOWNES | 555 FAIRMOUNT AVE TOWSON, MD 21286 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 10.00% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17606 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.27% |
| CLIFF BEAVER3 | 10791 BUCK RUN RD HUNTINGDON, PA 16652 | VISION BENEFITS OF AMERICA | $577 | $0 | $577 | 1.50% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 176016511 | AMERITAS LIFE INSURANCE CORP. | $304 | $0 | $304 | 11.00% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 132 | $558K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $112K |
| Vision | VISION BENEFITS OF AMERICA | 291 | $38K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 419 | $175K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 419 | $175K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 419 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.