| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H.G.I.D. INC.3 | 320 GRANITE RUN DR LANCASTER, PA 17601 | COMPANION LIFE INSURANCE COMPANY | $30K | — | $30K | 11.52% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.89% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | 320 GRANITE RUN DR LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | 320 GRANITE RUN DR LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENCARD PBF EIN 22-2998772 NONE | Claims processing; Contract Administrator Service code 12 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $0 |
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Plan Administrator Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $0 |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 174 | $257K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $69K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $29K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 174 | $257K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | 185 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.