| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 280 GRANITE RUN DR SUITE 250 LANCASTER, PA 17601 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 7.87% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 280 GRANITE RUN DRIVE SUITE 250 LANCASTER, PA 17601 | DELTA DENTAL OF PENNSYLVANIA | $6K | $0 | $6K | 4.59% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK | $6 | $0 | $6 | 0.02% |
| CORPORATE HEALTHCARE STRATEGIES LLC3 Filed as: CORPORATE HEALTHCARE STRATEGIES | 280 GRANITE RUN DRIVE SUITE 250 LANCASTER, PA 17601 | HIGHMARK | -$11 | $0 | -$11 | -0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $158K |
| CRAWFORD ADVISORS LLC STOUDT ADV BROKER | Insurance agents and brokers Service code 22 | 280 GRANITE RUN DRIVE SUITE 250 LANCATER, PA 17601 | $57K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $41K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $13K |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 424 | $131K |
| Vision | HIGHMARK | 561 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 321 | $144K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 321 | $144K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 321 | $144K |
| Prescription drug | HIGHMARK | 561 | $27K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 308 | $515K |
| Other | HARTFORD LIFE AND ACCIDENT | 321 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.