| 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 | $51K | — | $51K | 11.47% |
| 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 | 3.94% |
| H.G.I.D. IN C3 | 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 | $3K | — | $3K | 9.98% |
| 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 | $2K | — | $2K | 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% |
| 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 | $715 | — | $715 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Plan Administrator Service code 14 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $198K |
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 262 BEACON DR HARRISBURG, PA 17112 | $20K |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 195 | $441K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $72K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 179 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $53K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $23K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 195 | $441K |
| Other(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 257 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.