| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK INC. | $13K | — | $13K | 1.36% |
| AMERICAN INS. ADMINISTRATORS, INC.3 Filed as: AMERICAN INS ADM INC | 4550 LENA DR MECHANICSBURG, PA 17055 | AFLAC | $2K | — | $2K | 4.29% |
| J D LUEDTKE INC3 | 1140 WALTER ST YORK, PA 17112 | AFLAC | $1K | — | $1K | 2.91% |
| FOCUS HRO LLC3 | 4081 ROSEWALL CT HARRISBURG, PA 17112 | AFLAC | $522 | — | $522 | 1.06% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $431 | — | $431 | 0.88% |
| TAMMY MEYERS3 | 1550 TABLE ROCK RD GETTYSBURG, PA 17325 | AFLAC | $159 | — | $159 | 0.32% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $120 | — | $120 | 0.24% |
| DAVID R PONTA3 | 145 S DUKE ST STE B YORK, PA 17401 | AFLAC | $94 | — | $94 | 0.19% |
| EARMON ALLEN JOHNSON3 | 516 RYAN DR HARRISBURG, PA 17112 | AFLAC | $71 | — | $71 | 0.14% |
| HEIDI COOK3 | 7417 VIEW CREST DR HARRISBURG, PA 17112 | AFLAC | $56 | — | $56 | 0.11% |
| ANDREA LYNN BENNETT3 | PO BOX 1 PILLOW, PA 17080 | AFLAC | $31 | — | $31 | 0.06% |
| DANIEL N MARA3 | 1550 TABLE ROCK RD GETTYSBURG, PA 17325 | AFLAC | $28 | — | $28 | 0.06% |
| MICHELLE L MANNIX3 | 485 STATE ST APT B STEELTON, PA 17113 | AFLAC | $20 | — | $20 | 0.04% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE CT MECHANICSBURG, PA 17050 | AFLAC | $11 | — | $11 | 0.02% |
| MICHELLE K KELLY3 | 25 N MAIN ST STE 2 RED LION, PA 17356 | AFLAC | $6 | — | $6 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $10K | $14K | 33.75% |
| AMERICAN INSURANCE ADMINISTRATOR3 | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | — | $2 | $2 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $7K | 42.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $5K | 35.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $77 | $200 | $277 | 35.93% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 832 | $954K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 854 | $38K |
| Vision | HIGHMARK INC. | 832 | $954K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 610 | $62K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 641 | $91K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $16K |
| Other(2 contracts, 2 carriers) | AFLAC | 610 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.