| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 11.25% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 5.00% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | PRUDENTIAL | $8K | — | $8K | 8.88% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.07% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | PRUDENTIAL | $4K | — | $4K | 9.23% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $53K |
| Life insurance(2 contracts) | PRUDENTIAL | 208 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $133K |
| Other | WELLSPAN HEALTH | 195 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.