| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL GROUP3 Filed as: COMMONWEALTH FINANCIAL INC | 4 BARLO CIRCLE DILLSBURG, PA 17019 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $25K | — | $25K | 3.63% |
| COMMONWEALTH FINANCIAL GROUP3 Filed as: COMMONWEALTH FINANCIAL INC. | 4 BARLO CIRCLE DILLSBURG, PA 17019 | CAPITAL ADVANTAGE INSURANCE COMPANY | $19K | — | $19K | 3.50% |
| COMMONWEALTH FINANCIAL GROUP3 | 2 BARLO CIRCLE STE C DILLSBURG, PA 17019 | UNION SECURITY INSURANCE COMPANY | $8K | $2K | $9K | 12.04% |
| COMMONWEALTH FINANCIAL GROUP3 | 2 BARLO CIRCLE STE C DILLSBURG, PA 17019 | VISION BENEFITS OF AMERICA | $463 | $615 | $1K | 15.34% |
| COMMONWEALTH FINANCIAL GROUP3 | 2 BARLO CIRCLE SUITE C DILLSBURG, PA 17019 | VISION BENEFITS OF AMERICA | $75 | $1K | $1K | 80.58% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE INSURANCE COMPANY | 138 | $557K |
| Dental | UNION SECURITY INSURANCE COMPANY | 207 | $75K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 248 | $9K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 257 | $680K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.