| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CCAB INSURANCE & BENEFITS, INC.3 Filed as: CCAB INSURANCE & BENEFIT | 2101 OREGON PIKE, SUITE 202 LANCASTER, PA 17601 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 8.71% |
| CCAB INSURANCE & BENEFITS, INC.3 Filed as: CCAB INSURANCE & BENEFITS | 2101 OREGON PIKE, SUITE 202 LANCASTER, PA 17601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.80% |
| CCAB INSURANCE & BENEFITS, INC.3 Filed as: CCAB INSURANCE & BENEFITS | 2101 OREGON PIKE, SUITE 202 LANCASTER, PA 17601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.19% |
| CCAB INSURANCE & BENEFITS, INC.3 | 2101 OREGON PIKE, SUITE 202 LANCASTER, PA 17601 | VISION BENEFITS OF AMERICA | $488 | $0 | $488 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CCAB INSURANCE & BENEFITS, INC. EIN 45-3140653 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
| LINCOLN NATIONAL LIFE INSURANCE COM EIN 35-0472300 ADMIN | Claims processing Service code 12 | — | $4K |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | -$22K |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 65 | $27K |
| Vision | VISION BENEFITS OF AMERICA | 35 | $5K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $15K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $15K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 94 | $500K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.