| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5001 LOUISE DRIVE, SUITE 301 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 2.57% |
| BENEFITMALL3 | 250 WEST OLD WILSON BRIDGE ROAD SUITE 190 WORTHINGTON, OH 68817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.22% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $733 | $0 | $733 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | HIGHMARK INC. | $11K | $0 | $11K | 5.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5001 LOUISE DRIVE, SUITE 301 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $512 | $9K | 15.89% |
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 | 492 | 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) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC. | 951 | $224K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $501K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $501K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $501K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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."
No prospect flags tripped on this filing.