| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNIMERICA INSURANCE COMPANY | $11K | $0 | $11K | 4.00% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | DELTA DENTAL OF PENNSYLVANIA | $4K | $0 | $4K | 2.92% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 1.26% |
| RACHEL WARFEL3 | 204 PATRIOT ST. YORK, PA 17408 | ALLSTATE | $9K | $0 | $9K | 10.40% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD SUITE H - 1 NEW CASTLE, PA 16105 | ALLSTATE | $3K | $0 | $3K | 3.19% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SE | 2555 KINGSTON RD SUITE 100 YORK, PA 17402 | ALLSTATE | $2K | $0 | $2K | 2.20% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | ALLSTATE | $2K | $0 | $2K | 1.95% |
| JIM BROOKS3 | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | ALLSTATE | $1K | $0 | $1K | 1.22% |
| RJM ASSOCIATES INC DBA RM ASSOCIATE3 | PO BOX 5841 WILMINGTON, DE 19808 | ALLSTATE | $307 | $0 | $307 | 0.35% |
| IRENE E BROOKS3 | 1253 WEST LEESPORT RD. LEESPORT, PA 19533 | ALLSTATE | $243 | $0 | $243 | 0.28% |
| ALLEN MARK BRITTELL3 | 1949 SECURITY DRIVE YORK, PA 17402 | ALLSTATE | $211 | $0 | $211 | 0.24% |
| SAMUEL ALBERT BOORE JR3 Filed as: SAMUEL ALBERT BOORE JR. | 110 RODNEY LANET CAMP HILL, PA 17011 | ALLSTATE | $163 | $0 | $163 | 0.19% |
| GEORGE A TROCKI3 Filed as: GEORGE TROCKI | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | ALLSTATE | $157 | $0 | $157 | 0.18% |
| MICHALE R MUMMERT3 | 355R MANOR AVE MILLERSVILLE, PA 17551 | ALLSTATE | $40 | $0 | $40 | 0.05% |
| JAMES H CROUTHAMEL3 Filed as: JAMES H CROUTAMEL | PO BOX 1148 SOUTHAMPTON, PA 18966 | ALLSTATE | $35 | $0 | $35 | 0.04% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | ALLSTATE | $33 | $0 | $33 | 0.04% |
| M THERESA CONWAY3 | PO BOX 44 HUMMELSTOWN, PA 17036 | ALLSTATE | $9 | $0 | $9 | 0.01% |
| DAVID A TALMAS3 | 39 PEACH LANE LANCASTER, PA 176013245 | ALLSTATE | $3 | $0 | $3 | 0.00% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOC. INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INS. CO. | $7K | $0 | $7K | 11.03% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H1 NEW CASTLE, PA 16105 | UNITED OF OMAHA LIFE INS. CO. | $3K | $0 | $3K | 3.97% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOC. INC. | 448 MURRY HILL CIRLCE LANCASTER, PA 176014141 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $0 | $4K | 11.08% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD SUITE H1 NEW CASTLE, PA 161056145 | UNITED OF OMAHA LIFE INSURANCE CO. | $1K | $0 | $1K | 3.92% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOC INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INS. CO. | $3K | $0 | $3K | 11.05% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD SUITE H1 NEW CASTLE, PA 16105 | UNITED OF OMAHA LIFE INS. CO. | $1K | $0 | $1K | 3.95% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC. | 448 MURREY HILL CIRCLE LANCASTER, PA 17601 | VISION BENEFITS OF AMERICA | $283 | $0 | $283 | 1.12% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | VISION BENEFITS OF AMERICA | $116 | $0 | $116 | 0.46% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOC. INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INS. CO. | $2K | $0 | $2K | 11.19% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD SUITE H1 NEW CASTLE, PA 16105 | UNITED OF OMAHA LIFE INS. CO. | $782 | $0 | $782 | 3.81% |
| M THERESA CONWAY3 | PO BOX 44 HUMMELSTOWN, PA 17036 | ALLSTATE | $30 | $0 | $30 | 0.73% |
| ALLEN MARK BRITTELL3 | 1949 SECURITY DRIVE YORK, PA 17402 | ALLSTATE | $26 | $0 | $26 | 0.63% |
| RJM ASSOCIATES INC DBA RM ASSOCIATE3 | PO BOX 5841 WILMINGTON, DE 19808 | ALLSTATE | $23 | $0 | $23 | 0.56% |
| GEORGE A TROCKI3 Filed as: GEORGE TROCKI | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | ALLSTATE | $11 | $0 | $11 | 0.27% |
| JAMES H CROUTHAMEL3 Filed as: JAMES H GROUTHAMEL | PO BOX 1148 SOUTHAMPTON, PA 18966 | ALLSTATE | $8 | $0 | $8 | 0.19% |
| MICHAEL R MUMMERT3 | 355R MANOR AVE MILLERSVILLE, PA 17551 | ALLSTATE | $5 | $0 | $5 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $127K |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 134 | $88K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 481 | $140K |
| Vision | VISION BENEFITS OF AMERICA | 239 | $25K |
| Life insurance | ALLSTATE | 134 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INS. CO. | 64 | $21K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 220 | $280K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INS. CO. | 134 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.