| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK INC. | $45K | — | $45K | 2.96% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 19.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.86% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.60% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $809 | $4K | 5.64% |
| DONNA LOUISE JACKOVITZ3 | 913 BARBARA DR COPLAY, PA 18037 | AFLAC | $4K | $235 | $4K | 10.40% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 57754 | AFLAC | $791 | $55 | $846 | 2.19% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B MCGINTY JR. | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $628 | $55 | $683 | 1.77% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $354 | — | $354 | 0.92% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $199 | — | $199 | 0.52% |
| KENNETH L GOOD3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $125 | — | $125 | 0.32% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $74 | — | $74 | 0.19% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $61 | — | $61 | 0.16% |
| JAMES ELDER BROOKS3 | 101 COPER BEECH LN WOMELSDORG, PA 19567 | AFLAC | $35 | — | $35 | 0.09% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $34 | — | $34 | 0.09% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN STREET PINE GROVE, PA 17963 | AFLAC | $19 | — | $19 | 0.05% |
| LYNNE M HARTMAN3 | 1435 MUSEUM RD READING, PA 19610 | AFLAC | $18 | — | $18 | 0.05% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $15 | — | $15 | 0.04% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $13 | — | $13 | 0.03% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $10 | — | $10 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $10 | — | $10 | 0.03% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $10 | — | $10 | 0.03% |
| DAVID C SWEIGARD3 Filed as: DAVID SWEIGARD | 263 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $8 | — | $8 | 0.02% |
| CYNTHIA L JAY3 | 3768 SE DOUBLETON DRIVE STUART, FL 34997 | AFLAC | $8 | — | $8 | 0.02% |
| MAUREEN SUSAN FRIEDMAN3 | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $7 | — | $7 | 0.02% |
| ROBERT A ANDERSON3 Filed as: ROBERT ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $5 | — | $5 | 0.01% |
| BATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $5 | — | $5 | 0.01% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $3 | — | $3 | 0.01% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $2 | — | $2 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $2 | — | $2 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $2 | — | $2 | 0.01% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $595 | $595 | 1.90% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $510 | $510 | 1.63% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, OH 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $893 | $893 | 5.00% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $327 | $327 | 1.83% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEECHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $280 | $280 | 1.57% |
| GCG FINANCIAL LLC3 Filed as: AIA ALERA GROUP | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | EYEMED VISION CARE | $929 | — | $929 | 7.62% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. DBA AIA AMERICAN I | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | EYEMED VISION CARE | $192 | — | $192 | 1.57% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $807 | — | $807 | 15.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $269 | $269 | 5.00% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $106 | $106 | 1.97% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $91 | $91 | 1.69% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 197 | $72K |
| Vision | EYEMED VISION CARE | 182 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $5K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $101K |
| Prescription drug | HIGHMARK INC. | 226 | $359K |
| Other(3 contracts, 2 carriers) | AFLAC | 71 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.