| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 20055 SW PACIFIC HIGHWAY, SUITE 203 SHERWOOD, OR 97140 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.21% |
| THE BENECON GROUP3 | UNKNOWN LANCASTER, PA 17606 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.36% |
| THE GLATFELLER AGENCY3 | 183 LEADER HEIGHTS ROAD YORK, PA 17405 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 4.62% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 11350 MCCORMICK ROAD, EXPRESSWAY 4 SUITE 100 HUNT VALLEY, MD 21031 | DELTA DENTAL OF PENNSYLVANIA | $414 | $0 | $414 | 1.19% |
| MFR. ASSOC. OF SOUTH CENTRAL PA3 | 3504 BOARD ROAD, SUITE 100 YORK, PA 17405 | DELTA DENTAL OF PENNSYLVANIA | $414 | $0 | $414 | 1.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $817 | $2K | 15.00% |
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 | 78 | 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) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 113 | $35K |
| Vision | NVA | 118 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $16K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 68 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 78 | $44K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.