| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE INSURANCE ASSOC.3 | 3399 JETSTAR DR. LITITZ, PA 17543 | HEALTHAMERICA OF PENNSYLVANIA, INC. SELF-FUNDED | $58K | — | $58K | 13.11% |
| HERITAGE INSURANCE ASSOCIATES3 Filed as: HERITAGE INS. ASSOC. INC. | DBA LANCASTER BENEFITS GROUP 1525 OREGON PIKE, STE 1801 LANCASTER, PA 17601 | UNION SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 6.36% |
| ERIN GROUP ADMINISTRATORS, INC.3 | ATTN JACALYN GREENAWALT PO BOX 7777, 1871 SANTA BARBARA DR. LANCASTER, PA 17604 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHAMERICA OF PENNSYLVANIA, INC. EIN 62-1411933 NONE | Contract Administrator; Claims processing Service code 12 | — | $172K |
| HERITAGE INSURANCE ASSOC. NONE | Claims processing; Contract Administrator; Consulting fees; Insurance agents and brokers; Consulting (general) Service code 12 | 3399 JETSTAR DR. LITITZ, PA 17543 | $11K |
| SIGNIFICA BENEFIT SERVICES EIN 23-1413783 NONE | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY LIFE INSURANCE COMPANY | 338 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 79 | $18K |
| Stop-loss / reinsurancereinsurance | HEALTHAMERICA OF PENNSYLVANIA, INC. SELF-FUNDED | 1,017 | $445K |
| Other(3 contracts, 3 carriers) | UNION SECURITY LIFE INSURANCE COMPANY | 363 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,017 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.