| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CCAB INSURANCE & BENEFITS, INC.3 | 2101 OREGON PIKE SUITE 202 LANCASTER, PA 17601 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $1K | $0 | $1K | 0.92% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $220 | $0 | $220 | 0.18% |
| CCAB INSURANCE & BENEFITS, INC.3 | 2101 OREGON PIKE SUITE 202 LANCASTER, PA 17301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.62% |
| CONSOLIDATED BENEFITS INCORPORATED3 | 2500 ELMERTON AVE HARRISBURG, PA 17100 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER STE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.38% |
| CCAB INSURANCE & BENEFITS, INC.3 Filed as: CCAB INSURANCE & BENEFITS INC | 2101 OREGON PIKE SUITE 202 LANCASTER, PA 17601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.29% |
| CONSOLIDATED BENEFITS INCORPORATED3 | 2101 OREGON PIKE STE 202 LANCASTER, PA 17605 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER STE 70 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.71% |
| CCAB INSURANCE & BENEFITS, INC.3 Filed as: CCAB INSURANCE & BENEFITS INC | 2101 OREGON PIKE SUITE 202 LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.06% |
| CONSOLIDATED BENEFITS INCORPORATED3 | 2500 ELMERTON AVE HARRISBURG, PA 17100 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER STE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $683 | $0 | $683 | 2.94% |
| CCAB INSURANCE & BENEFITS, INC.3 Filed as: CCAB INSURANCE & BENEFITS | 2101 OREGON PIKE STE 202 LANCASTER, PA 17605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $928 | $0 | $928 | 8.89% |
| CONSOLIDATED BENEFITS INCORPORATED3 | 2500 ELMERTON AVE HARRISBURG, PA 17100 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $522 | $522 | 5.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER STE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $325 | $0 | $325 | 3.11% |
| CCAB INSURANCE & BENEFITS, INC.3 | 2101 OREGON PIKE SUITE 202 LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $596 | $0 | $596 | 11.09% |
| CONSOLIDATED BENEFITS INCORPORATED3 | 2500 ELMERTON AVE HARRISBURG, PA 17100 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $269 | $269 | 5.01% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER STE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $210 | $0 | $210 | 3.91% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 284 | $124K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 284 | $124K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $5K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $40K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.