| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC | 95 ALEXANDER SPRING ROAD CARLISLE, PA 17015 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.81% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | 201 E. OREGON RD SUITE 100 LITITZ, PA 17543 | HIGHMARK INC. | $4K | $0 | $4K | 10.00% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC | 1200 E MCKINLEY STREET P.O. BOX 307 CHAMBERSBURG, PA 17202 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $285 | $0 | $285 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRICKLER AGENCY, INC. EIN 23-1605938 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| CAPITAL BLUECROSS EIN 23-0455154 CARRIER | Claims processing Service code 12 | — | $5K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 65 | 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) | 65 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC. | 61 | $40K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 64 | $6K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 86 | $56K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 86 | $56K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 86 | $56K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 65 | $331K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 86 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.