| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENAWARE3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 9.29% |
| 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 | 6.19% |
| JP WARNER ASSOCIATES, INC.3 | 485 DEVON PARK DRIVE, STE 103 WAYNE, PA 19087 | DOMINION NATIONAL | $2K | — | $2K | 7.71% |
| DOUPLE AGENCY INC.3 | 34 EAST MAIN STREET EPHRATA, PA 17522 | MADISON NATIONAL LIFE INSURANCE COMPANY | $676 | — | $676 | 12.47% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $507 | $507 | 9.35% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFIT ADMINISTRATORS | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $225 | $225 | 4.15% |
| JP WARNER ASSOCIATES, INC.3 Filed as: J P WARNER ASSOCIATES, INC. | 485 DEVON PARK DRIVE, STE 103 WAYNE, PA 19087 | MADISON NATIONAL LIFE INSURANCE COMPANY | $137 | — | $137 | 2.53% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 74 | $32K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 202 | $115K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 140 | $110K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 140 | $110K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 202 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.