| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE HEALTHCARE STRATEGIES LLC3 | 280 GRANITE RUN DRIVE, STE 250 LANCASTER, PA 17601 | HIGHMARK INC. | $36K | — | $36K | 3.27% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERANTIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 7.50% |
| MEDICAL GROUP INSURANCE SERVICES3 Filed as: MEDICAL GROUP INS SER IVICES, INC. | 1849 WEST NORTH TEMPLE SLAT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $180 | $2K | 1.66% |
| CORPORATE HEALTHCARE STRATEGIES LLC3 | 280 GRANITE RUN DRIVE, STE 250 LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $998 | — | $998 | 1.02% |
| CORPORATE HEALTHCARE STRATEGIES LLC3 | 280 GRANITE RUN DRIVE, STE 250 LANCASTER, PA 17601 | VISION BENEFITS OF AMERICA | $668 | — | $668 | 5.57% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | VISION BENEFITS OF AMERICA | $37 | — | $37 | 0.31% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 116 | $1.1M |
| Dental | HIGHMARK INC. | 116 | $1.1M |
| Vision | VISION BENEFITS OF AMERICA | 132 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $98K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $98K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $98K |
| Prescription drug | HIGHMARK INC. | 116 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.