| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 4550 N POINT PKWY STE 250 MECHANICSBURG, PA 17050 | HIGHMARK INC | $10K | $0 | $10K | 4.17% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | HIGHMARK INC | $1K | $0 | $1K | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK INC | $940 | $0 | $940 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5001 LOUISE DR STE 301 MECHANICSBURG, PA 17055 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 7.95% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | -$693 | $0 | -$693 | -0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5001 LOUISE DR STE 301 MECHANICSBURG, PA 17055 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $244 | $3K | 25.50% |
| BENEFIT MALL3 Filed as: BENEFIT MALL 018229 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | -$32 | $0 | -$32 | -0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5001 LOUISE DR STE 301 MECHANICSBURG, PA 17055 | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 CARRIER | Claims processing Service code 12 | — | $54K |
| CIGNA EIN 23-1503749 ADMIN | Insurance agents and brokers Service code 22 | — | $248 |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC | 566 | $231K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 1 | $0 |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Short-term disability(2 contracts) | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $105K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Other(3 contracts) | NEW YORK LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.