| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $50K | — | $50K | 0.81% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $36K | — | $36K | 0.59% |
| AMERICAN INS. ADMINISTRATORS, INC.3 Filed as: AMERICAN INS ADM INC | 4550 LENA DR MECHANICSBURG, PA 17055 | AFLAC | $26K | $228 | $26K | 6.14% |
| J D LUEDTKE INC3 Filed as: JD LUEDTKE INC | 313 4TH ST HANOVER, PA 17331 | AFLAC | $16K | $1K | $17K | 3.94% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $5K | $472 | $5K | 1.19% |
| FOCUS HRO LLC3 | 4081 ROSEWALL CT HARRISBURG, PA 17112 | AFLAC | $5K | — | $5K | 1.06% |
| TATIANA VICTORIA LEITZEL3 | 311 N HIGH ST DUNCANNON, PA 17020 | AFLAC | $2K | $375 | $2K | 0.57% |
| TAMMY MEYERS3 | 1550 TABLE ROCK RD GETTYSBURG, PA 17325 | AFLAC | $2K | $226 | $2K | 0.56% |
| DAVID R PONTA3 | 145 S DUKE ST, STE B YORK, PA 17401 | AFLAC | $2K | $233 | $2K | 0.56% |
| DANIEL N MARA3 | 1550 TABLE ROCK RD GETTYSBURG, PA 17325 | AFLAC | $2K | $231 | $2K | 0.44% |
| ANDREA LYNN BENNETT3 | PO BOX 1 PILLOW, PA 17080 | AFLAC | $2K | $317 | $2K | 0.43% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $1K | $62 | $2K | 0.35% |
| EARMON ALLEN JOHNSON3 | 516 RYAN DR HARRISBURG, PA 17112 | AFLAC | $1K | — | $1K | 0.30% |
| JAMES HARMON3 | 3721 OLDTOWN RD SHAWSVILLE, VA 24162 | AFLAC | $997 | $85 | $1K | 0.25% |
| JENNIFER LYNN TURNER3 | 1729 N 24TH ST HARRISBURG, PA 17109 | AFLAC | $889 | $93 | $982 | 0.23% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE CT MECHANICSBURG, PA 17050 | AFLAC | $448 | $46 | $494 | 0.12% |
| HEIDI COOK3 | 7417 VIEW CREST DR HARRISBURG, PA 17112 | AFLAC | $435 | — | $435 | 0.10% |
| MICHELLE L MANNIX3 | 485 STATE ST APT B STEELTON, PA 17113 | AFLAC | $305 | — | $305 | 0.07% |
| MICHELLE K KELLY | 4835 JOLLY ACRES RD WHITE HALL, MD 21161 | AFLAC | $84 | — | $84 | 0.02% |
| SHANNON M REDDICK3 | 35 RED BIRD LN GETTYSBURG, PA 17325 | AFLAC | $61 | — | $61 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $3K | — | $3K | 0.84% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $521 | — | $521 | 0.16% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 2.75% |
| FMLASOURCE INC5 Filed as: FMLASOURCE INC. | 455 N CITYFRONT PLZ DR, 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 15.69% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.76% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.82% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $255 | $0 | $255 | 1.00% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $835 | — | $835 | 9.99% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $231 | $231 | 2.76% |
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 | 663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH OPTIONS | 1,298 | $6.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,302 | $334K |
| Vision(4 contracts) | UPMC HEALTH BENEFITS | 1,265 | $60K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 797 | $499K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 840 | $660K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $59K |
| Other(2 contracts, 2 carriers) | AFLAC | 797 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.