| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC.3 | 6240 SPRINT PARKWAY SUITE 400 OVERLAND PARK, KS 66251 | HCC LIFE INSURANCE COMPANY | $27K | — | $27K | 8.73% |
| LUMINARE HEALTH BENEFITS, INC.3 | 1280 NORTH PLUM STREET LANCASTER, PA 17601 | HCC LIFE INSURANCE COMPANY | $1K | — | $1K | 0.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS DBA COOK MARAN | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.23% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $308 | $2K | 4.84% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $521 | $2K | 3.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.28% |
| GEESEY/GLATFELTER/ZAR AGY INC3 Filed as: GEESEY GLATFELTER ZAR AGCY INC | 183 LEADER HEIGHTS RD YORK, PA 17405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | — | $461 | 0.93% |
| ASSUREDPARTNERS3 Filed as: GUNN MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | — | $384 | 0.77% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 0.40% |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.22% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.08% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON ROAD YORK, PA 17402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.07% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.06% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| ARDENA L MCVICKER3 | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE GROUP | 1007 MUMMA ROAD SUITE 100 LEMOYNE, PA 17043 | VISION BENEFITS OF AMERICA | $527 | — | $527 | 6.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $55K |
| AETNA - ASA EIN 06-6033492 NONE | Claims processing; Other services Service code 12 | — | $19K |
| RKL LLP EIN 23-2108173 NONE | Accounting (including auditing) Service code 10 | — | $12K |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $93K |
| Vision | VISION BENEFITS OF AMERICA | 101 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $93K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $50K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $93K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 103 | $309K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
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.