| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.5 Filed as: CORESOURCE, INC | 1280 N. PLUM STREET LANCASTER, PA 17601 | GREAT MIDWEST INSURANCE COMPANY | $27K | — | $27K | 3.00% |
| PAUL I. SHEAFFER INSURANCE AGENCY3 | 3541 OLD PHILADELPHIA PIKE INTERCOURSE, PA 17534 | PRINCIPAL LIFE INSURANCE COMPANY | $56K | — | $56K | 10.87% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 100162303 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 3.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STEAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $353 | $353 | 13.48% |
| PATH ADMINISTRATORS3 | 2207 FOREST HILLS DRIVE, SUITE 14 HARRISBURG, PA 171120480 | MADISON NATIONAL LIFE INSURANCE COMPANY | $314 | — | $314 | 11.99% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STEAM PARKWAY SUITE 310 MALVERN, PA 19355 | 4 EVER LIFE INSURANCE COMPANY(FORMERLY BCS LIFE) | $0 | $32 | $32 | 13.45% |
| PATH ADMINISTRATORS3 | 2207 FOREST HILLS DRIVE, SUITE 14 HARRISBURG, PA 171120480 | 4 EVER LIFE INSURANCE COMPANY(FORMERLY BCS LIFE) | $29 | — | $29 | 12.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 N/A | Claims processing; Other services; Plan Administrator Service code 12 | 1280 N PLUM STREET LANCASTER, PA 17601 | $350K |
| AETNA-PPO EIN 06-6033492 N/A | Claims processing; Other services Service code 12 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $161K |
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 | 1,264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,264 | $516K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,264 | $519K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,264 | $516K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 1,010 | $912K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,264 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.