| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AVALON INSURANCE COMPANY | $67K | $0 | $67K | 11.33% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $4K | $24K | 12.37% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE, SUITE 3 MECHANICSBURG, PA 17055 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.09% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNITED CONCORDIA INSURANCE COMPANY | $13K | $952 | $14K | 7.93% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE, SUITE 3 MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 1.62% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HEARTLAND | $2K | $0 | $2K | 7.60% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE, SUITE 3 MECHANICSBURG, PA 17055 | HEARTLAND | $759 | $0 | $759 | 2.40% |
| MJ INSURANCE3 Filed as: DIANNE L. MARTIN AND VARIOUS AGENTS | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $33 | $0 | $33 | 2.66% |
| JONATHON R SEELE3 Filed as: JONATHON R. SEELE | 60 BYRON NELSON CIRCLE ETTERS, PA 17319 | AFLAC | $30 | $0 | $30 | 2.42% |
| C A LUPP INC3 Filed as: CA LUPP INC | 940 EAST PARK DRIVE, SUITE 300 HARRISBURG, PA 17111 | AFLAC | $16 | $0 | $16 | 1.29% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $11 | $0 | $11 | 0.89% |
| DEBRA L CARL3 Filed as: DEBRA L. CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $10 | $0 | $10 | 0.81% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | AFLAC | $6 | $0 | $6 | 0.48% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C H ROBINSON AND ASSOCAITES INC | 4735 NW 53RD AVENUE, SUITE A GAINESVILLE, FL 32653 | AFLAC | $6 | $0 | $6 | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.9M |
| MCNEES WALLACE & NURICK EIN 23-1256003 LEGAL | Legal Service code 29 | — | $10K |
| MCKONLY & ASBURY LLC EIN 23-1909723 ACCOUNTING AND AUDIT | Accounting (including auditing) Service code 10 | — | $8K |
| COMPASS HEALTH SERVICES EIN 35-2262639 CLAIMS PROCESSING | Claims processing Service code 12 | — | $5K |
| HEALTHEQUITY INC. EIN 52-2383166 FSA FEES | Other services Service code 49 | — | $5K |
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 | 339 | 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) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 703 | $179K |
| Vision | HEARTLAND | 52 | $32K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $192K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $190K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $190K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 339 | $589K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.