| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE INSURANCE ASSOCIATES3 Filed as: HERITAGE INS ASSOC INC | 1525 OREGON PIKE SUITE 1902 LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 6.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 1.49% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIDS INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 9.27% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC. | 448 MURRAY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 13.29% |
| HERITAGE INSURANCE ASSOCIATES3 | 1525 OREGON PIKE STE 1902 LANCASTER, PA 17601 | SIGNIFICA BENEFIT SERVICES | $2K | $0 | $2K | 10.00% |
| SIGNIFICA BENEFIT SERVICES, INC.3 Filed as: SIGNIFICA BENEFITS | 118 W AIRPORT RD LITITZ, PA 17543 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $248K |
| SIGNIFICA BENEFIT SERVICES EIN 23-2504308 ADMIN | Claims processing 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 | 410 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO. | 1,115 | $48K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $142K |
| Short-term disability | SIGNIFICA BENEFIT SERVICES | 392 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $31K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 0 | $755K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 410 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,115 | — |
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.