| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.5 Filed as: CORESOURCE, INC | 1280 N. PLUM STREET LANCASTER, PA 17601 | GERBER LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PAUL I. SHEAFFER INSURANCE AGENCY3 | 3541 OLD PHILADELPHIA PIKE INTERCOURSE, PA 17534 | PRINCIPAL LIFE INSURANCE COMPANY | $42K | — | $42K | 11.04% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 202 NEW YORK, NY 100162303 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 3.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STEAM PARKWAY SUITE 310 MALVERN, PA 19355 | 4 EVER LIFE INSURANCE COMPANY(FORMERLY BCS LIFE) | $395 | — | $395 | 13.85% |
| PATH ADMINISTRATORS3 | 2207 FOREST HILLS DRIVE, SUITE 14 HARRISBURG, PA 17112 | 4 EVER LIFE INSURANCE COMPANY(FORMERLY BCS LIFE) | $368 | — | $368 | 12.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 N/A | Other services; Claims processing; Plan Administrator Service code 12 | 1280 N PLUM STR LANCASTER, PA 17601 | $242K |
| AETNA-PPO EIN 06-6033492 N/A | Claims processing; Other services Service code 12 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $117K |
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 | 901 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 901 | $380K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 901 | $383K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 901 | $380K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 538 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.