| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 9.93% |
| SPECIAL RISK INSURANCE SERVICES INC3 Filed as: SPECIAL RISK INSURANCE SERVICES | PO BOX 1108 VOORHEES, NJ 08043 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.59% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 200 W. BALTIMORE AVE. MEDIA, PA 19063 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.59% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 3.75% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 200 W. BALTIMORE AVE. MEDIA, PA 19063 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 3.75% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $499 | — | $499 | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | PO BOX 283 DILLSBURG, PA 17019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $10 | $264 | 4.10% |
| T NASH SKILES INC3 Filed as: T. NASH SKILES INC. | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $87 | $248 | 3.86% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $16 | $77 | 1.20% |
| JASON RYAN LOWREY3 Filed as: JASON LOWREY | 527 N. OAK ST. LITITZ, PA 17543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $1 | $60 | 0.93% |
| DAVID R HEYDT3 Filed as: DAVID HEYDT | 3252 STAUNTON AVE DOVER, PA 17315 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.50% |
| BRENDA LEE PLACKO AND OTHER AGENTS3 Filed as: BRENDA PLACKO | 1863 CREEK RD. MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $3 | $29 | 0.45% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $5 | $29 | 0.45% |
| CASEY H EBBERT3 Filed as: CASEY EBBERT | 1574 LITITZ PL. LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $2 | $27 | 0.42% |
| LANCE A BRADLEY3 Filed as: LANCE BRADLEY | 5061 FRANKLIN ST. HARRISBURG, PA 17111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.30% |
| THOMAS F HAYES3 Filed as: THOMAS HAYES | 2205 OREGON PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.23% |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD. AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.12% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 138 | $15K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 186 | $48K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 138 | $8K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 274 | $129K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 274 | $123K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 274 | $123K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 138 | $8K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 274 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.