| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $6K | — | $6K | 6.10% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.54% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Contract Administrator Service code 12 | — | $276K |
| SIGNIFICA BENEFIT SERVICES EIN 23-1413783 NONE | Claims processing; Contract Administrator Service code 12 | — | $8K |
| HERITAGE INSURANCE ASSOCIATES | Claims processing; Contract Administrator Service code 12 | — | $2K |
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 | 359 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MAGELLAN BEHAVIORAL HEALTH | 350 | $5K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY LIFE INSURANCE COMPANY | 339 | $111K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $21K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 364 | $500K |
| Other(3 contracts, 3 carriers) | UNION SECURITY LIFE INSURANCE COMPANY | 350 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.