| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS, INC. | 6240 SPRING PARKWAY SUITE 400 OVERLAND PARK, KS 66251 | HCC LIFE INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS, INC. | 400 FIELD DRIVE LAKE FOREST, IL 60045 | HCC LIFE INSURANCE COMPANY | — | $2K | $2K | 0.84% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | PO BOX 900 CAMP HILL, PA 170010900 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS DBA COOK MARAN | 40 MARCUS DR 3RD FL MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.77% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $42 | $2K | 4.10% |
| GEESEY/GLATFELTER/ZAR AGY INC3 Filed as: GEESEY GLATFELTER ZAR AGCY INC | 183 LEADER HEIGHTS ROAD YORK, PA 17405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | — | $555 | 1.20% |
| ASSUREDPARTNERS3 Filed as: GUNN MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | — | $513 | 1.11% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 0.49% |
| CASEY H EBBERT3 Filed as: CASEY H.EBBERT | 465 LOCUST RUN DR YORK, PA 17404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | — | $222 | 0.48% |
| ASHLY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.27% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.12% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.12% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON ROAD YORK, PA 17402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.08% |
| BRENT E. MCVICKER3 | 73 KATYTDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.07% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| ARDENA L MCVICKER3 Filed as: ARDENA MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 1007 MUMMA ROAD SUITE 100 LEMOYNE, PA 17043 | VISION BENEFITS OF AMERICA | $402 | — | $402 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $39K |
| AETNA - ASA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $19K |
| TROUT, EBERSOLE & GROFF, LLP EIN 23-1551315 NONE | Accounting (including auditing) Service code 10 | — | $15K |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $80K |
| Vision | VISION BENEFITS OF AMERICA | 94 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $80K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 47 | $46K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $80K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 95 | $272K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 47 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.