| 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 | $36K | — | $36K | 11.42% |
| 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 | $625 | $4K | 5.25% |
| H.G.I.D. IN C3 | 320 GRANITE RUN DR LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | $577 | — | $577 | 3.16% |
| 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% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D. INC | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | NATIONAL VISION ADMINISTRATORS LLC | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENECARD 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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 179 | $315K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $68K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 172 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $39K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $32K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 179 | $315K |
| Other(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 175 | $66K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.