| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| RACHEL WARFEL3 | 2014 PATRIOT STREET YORK, PA 17408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.94% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.82% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BEN. & FINANCIAL | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.78% |
| JENNIFER DEPROSPO3 | 750 LAKE DRIVE LEBANON, PA 17402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $771 | $0 | $771 | 1.32% |
| ALLEN MARK BRITTELL3 | 1949 SECURITY DRIVE YORK, PA 17402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $714 | $0 | $714 | 1.22% |
| JIM BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $350 | $0 | $350 | 0.60% |
| RJM ASSOCIATES INC DBA RM ASSOCIATE Filed as: RJM ASSOCIATES INC. | P O BOX 5841 WILMINGTON, DE 19808 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | $0 | $253 | 0.43% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 4.61% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 278 | $27K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $190K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $132K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $190K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 87 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.