| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATION3 | UNKNOWN MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $15K | $3K | $18K | 11.20% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMIN., LLC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HARTFORD LIFE AND ACCIDENT | $14K | $405 | $15K | 9.45% |
| GCG FINANCIAL LLC3 Filed as: AIA ALERA GROUP | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.89% |
| JONATHON R SEELE3 Filed as: JONATHON SEELE | 60 BYRON NELSON CIRCLE ETTERS, PA 17319 | AFLAC | $33 | $0 | $33 | 3.23% |
| C A LUPP INC3 | 5010 EAST TRINDLE ROAD, SUITE 201 MECHANICSBURG, PA 17050 | AFLAC | $21 | $0 | $21 | 2.06% |
| ANTHONY ALMODOVAR3 | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $12 | $0 | $12 | 1.18% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 2230 CAROLINE LANE HARRISBURG, PA 17110 | AFLAC | $11 | $0 | $11 | 1.08% |
| CHRIS H ROBINSON3 Filed as: CHRIS ROBINSON | 2 MAYFIELD ROAD MECHANICSBURG, PA 17055 | AFLAC | $9 | $0 | $9 | 0.88% |
| MJ INSURANCE3 Filed as: MATTHEW BERGER & VARIOUS AGENTS | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $8 | $0 | $8 | 0.78% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 COCKEYSBILLE, MD 21030 | AFLAC | $7 | $0 | $7 | 0.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHNOW ADMINISTRATIVE SERVICES EIN 11-3667763 CLAIMES PROCESSING | Claims processing Service code 12 | — | $3.5M |
| HEALTH EQUITY INC. EIN 52-2383166 FSA CLAIMS | Claims processing Service code 12 | — | $296K |
| OSS HEALTH EIN 80-0458999 CLAIMS PROCESSING | Claims processing Service code 12 | — | $209K |
| ACCOLADE, INC EIN 01-0969591 PATIENT ADVOCACY | Insurance services Service code 23 | — | $117K |
| EPLS, LLC EIN 84-1955995 PRESCRIPTIONS | Insurance services Service code 23 | — | $76K |
| AMERICAN INSURANCE ADMINISTRATORS EIN 25-1691584 BENEFIT SOFTWARE | Plan Administrator Service code 14 | — | $21K |
| MCKONLEY & ASBURY LLC EIN 23-1909723 ACCOUNTING & AUDIT | Accounting (including auditing) Service code 10 | — | $12K |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 617 | $162K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 582 | $34K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 431 | $157K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 431 | $156K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 431 | $156K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 304 | $436K |
| Other | HARTFORD LIFE AND ACCIDENT | 431 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.