| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCAL PLANNING SOLUTIONS INC3 | 100 RADNOR ROAD SUITE 202 STATE COLLEGE, PA 16801 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.77% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DR S380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.07% |
| CENTRAL PENNSYLVANIA BENEFIT SOLUTI3 Filed as: CENTRAL PENNSYLVANIA BENEFIT S | PO BOX 61 BOALSBURG, PA 16827 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.18% |
| CENTRAL PENNSYLVANIA BENEFIT SOLUTI3 | P.O. BOX 61 BOALSBURG, PA 16827 | VISION BENEFITS OF AMERICA | $712 | $0 | $712 | 5.44% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 59 | $41K |
| Vision | VISION BENEFITS OF AMERICA | 87 | $13K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 100 | $28K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 100 | $28K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 100 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.