| 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 | $17K | $3K | $19K | 11.75% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 5.00% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | — | PRUDENTIAL | $10K | — | $10K | 8.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | — | PRUDENTIAL | $4K | — | $4K | 3.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $126 | $126 | 0.16% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | — | PRUDENTIAL | $6K | — | $6K | 9.04% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | — | PRUDENTIAL | $3K | — | $3K | 3.75% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $80K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $80K |
| Life insurance(2 contracts) | PRUDENTIAL | 270 | $181K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $166K |
| Other | WELLSPAN HEALTH | 280 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.