| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE FL 3 MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $31K | — | $31K | 3.63% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE FL 3 MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 9.52% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 402 SPRINGTON WAY LANCAST, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $1K | $12K | 7.83% |
| CHRISTINE REID VERONIS3 | 2198 LOIS LN LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.79% |
| KENNETH ALAN SMITH3 | 342 S QUEEN ST LANCASTER, PA 17603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $37 | $2K | 1.56% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $405 | $408 | 0.28% |
| LAWRENCE PRICHARD3 | 110 BRIDAL PATH NEW HOLLAND, PA 17557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | $1 | $398 | 0.27% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 0.19% |
| EDWARD P DOUGHERTY INC3 | 4550 PRESTWICK DRIVE READING, PA 19060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $218 | $218 | 0.15% |
| GEORGE VERONIS3 | 2198 LOIS LN LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 0.11% |
| BENECHIOCE ENROLLMENT SOLUTIONS INC3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 0.10% |
| TANYA WISHARD3 | PO BOX 307 CORDORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.06% |
| CASEY H EBBERT3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.05% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| SHANA WEIERBACH3 | 970 CIRCLE DR. HALETHORPE, MD 21227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| CAMICHA LABARRIERE3 Filed as: CAMICHA LABERRIERE | 2130 SWARR RUN RD LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE FL 3 MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 4.20% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE FL 3 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE FL 3 MECHANICSBURG, PA 17055 | HIGHMARK, INC. | $921 | — | $921 | 6.00% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE FL 3 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE FL 3 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 178 | $148K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 235 | $84K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 191 | $157K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 191 | $201K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.