| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENAWARE3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 10.29% |
| JP WARNER ASSOCIATES, INC.3 Filed as: J P WARNER ASSOCIATES, INC. | 485 DEVON PARK DRIVE, STE 103 WAYNE, PA 19087 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 6.71% |
| JP WARNER ASSOCIATES, INC.3 | 485 DEVON PARK DRIVE, STE 103 WAYNE, PA 19087 | DOMINION DENTAL SERVICES, INC. | $3K | — | $3K | 11.21% |
| DOUPLE AGENCY INC.3 | 34 EAST MAIN STREET EPHRATA, PA 17522 | MADISON NATIONAL LIFE INSURANCE COMPANY | $915 | — | $915 | 14.99% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $519 | $519 | 8.50% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIT ADMINISTRATORS | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $305 | $305 | 5.00% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION DENTAL SERVICES, INC. | 78 | $27K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 204 | $115K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 139 | $109K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 139 | $109K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 204 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.