| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEARER, THOMAS M3 | 1566 HEARTHSIDE DR CHAMBERSBURG, PA 17202 | HIGHMARK, INC | $5K | $0 | $5K | 6.02% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, INC. | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK, INC | $2K | $0 | $2K | 2.01% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY | 1200 E MCKINLEY ST CHAMBERSBURG, PA 17201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $457 | $2K | 9.12% |
| CONSOLIDATED BENEFITS INCORPORATED3 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $602 | $602 | 3.66% |
| THE BENECON GROUP3 | 201 E OREGON RD STE 100 LITITZ, PA 17543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $602 | $0 | $602 | 3.66% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY | 1200 E MCKINLEY ST CHAMBERSBURG, PA 17201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $884 | $352 | $1K | 9.01% |
| CONSOLIDATED BENEFITS INCORPORATED3 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $505 | $505 | 3.68% |
| THE BENECON GROUP3 | 201 E. OREGON RD STE 100 LITITZ, PA 17543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $487 | $0 | $487 | 3.55% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY | 1200 E MCKINLEY ST CHAMBERSBURG, PA 17201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $843 | $347 | $1K | 8.69% |
| THE BENECON GROUP3 | 201 E. OREGON RD STE 100 LITITZ, PA 17543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $526 | $0 | $526 | 3.84% |
| CONSOLIDATED BENEFITS INCORPORATED3 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $493 | $493 | 3.60% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY | 1200 E MCKINLEY ST CHAMBERSBURG, PA 17201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $250 | $111 | $361 | 9.39% |
| CONSOLIDATED BENEFITS INCORPORATED3 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $142 | $142 | 3.69% |
| THE BENECON GROUP3 | 201 E. OREGON ROAD STE 100 LITITZ, PA 17543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $135 | $0 | $135 | 3.51% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK, INC | 187 | $80K |
| Vision | HIGHMARK, INC | 187 | $80K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $16K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.