| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT DESIGN SPECIALISTS, INC.3 | 1 KACEY COURT, SUITE 100 MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $25K | — | $25K | 3.85% |
| BENEFIT DESIGN SPECIALISTS, INC.3 | 1 KACEY COURT, SUITE 100 MECHANICSBURG, PA 17055 | AETNA, INC | $8K | — | $8K | 10.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 630 W. GERMANSTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK INC. | $6K | — | $6K | 10.14% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK INC. | $6 | — | $6 | 0.01% |
| BENEFIT DESIGN SPECIALISTS, INC.3 | 600 WILSON LANE, SUITE 200 MECHANICSBURG, PA 17055 | NVA HEARTLAND | $615 | — | $615 | 5.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC. | 88 | $57K |
| Vision | NVA HEARTLAND | 89 | $12K |
| Life insurance | AETNA, INC | 104 | $73K |
| Short-term disability | AETNA, INC | 104 | $73K |
| Long-term disability | AETNA, INC | 104 | $73K |
| Stop-loss / reinsurancereinsurance | CAPITAL ADVANTAGE INSURANCE COMPANY | 82 | $236K |
| Other | AETNA, INC | 104 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.