| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | UNKNOWN YORK, PA 17406 | UNITED CONCORDIA INSURANCE COMPANY | $23K | $4K | $27K | 13.73% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 | 4450 LENA DRIVE MECHANICSBURG, PA 17055 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 10.96% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 | 4450 LENA DRIVE MECHANICSBURG, PA 17055 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.95% |
| JONATHON R SEELE3 Filed as: JONATHON R. SEELE | 60 BYRON NELSON CIRCLE ETTERS, PA 17319 | AFLAC | $31 | $0 | $31 | 3.19% |
| C A LUPP INC3 | 5010 E. TRINDLE ROAD, SUITE 201 MECHANICSBURG, PA 17050 | AFLAC | $19 | $0 | $19 | 1.95% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $11 | $0 | $11 | 1.13% |
| DIANNE L MARTIN3 Filed as: DIANNE L. MARTIN | 2230 CAROLINE LANE HARRISBURG, PA 17110 | AFLAC | $11 | $0 | $11 | 1.13% |
| CHRIS H ROBINSON3 Filed as: CHRIS H. ROBINSON | 2 MAYFIELD ROAD MECHANICSBURG, PA 17055 | AFLAC | $9 | $0 | $9 | 0.93% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG AND OTHER AGENTS | 103 CHURCH STREET, SUITE 3 PHILADELPHIA, PA 19106 | AFLAC | $6 | $0 | $6 | 0.62% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $3 | $0 | $3 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHNOW ADMINISTRATIVE SERVICES EIN 11-3667763 CLAIMS PROCESSING | Claims processing Service code 12 | — | $4.3M |
| HEALTH EQUITY INC EIN 52-2383166 FSA CLAIMS | Claims processing Service code 12 | — | $307K |
| UNITED CONCORDIA EIN 23-1661402 DENTAL | Insurance services Service code 23 | — | $200K |
| OSS HEALTH EIN 80-0458999 CLAIMS PROCESSING | Claims processing Service code 12 | — | $197K |
| EPLS, LLC EIN 84-1955995 PRESCRIPTIONS | Insurance services Service code 23 | — | $127K |
| ACCOLADE, INC EIN 01-0969591 PATIENT ADVOCACY | Insurance services Service code 23 | — | $114K |
| FIDELITY SECURITY LIFE INSURANCE CO EIN 43-0949844 VISION | Insurance services Service code 23 | — | $35K |
| AMERICAN INSURANCE ADMINISTRATORS EIN 25-1691584 BENEFIT SOFTWARE | Plan Administrator Service code 14 | — | $21K |
| MAZZITTI & SULLIVAN COUNSELING SERV EIN 23-2485930 EAP | Insurance services Service code 23 | — | $13K |
| MCKONLEY & ASBURY LLC EIN 23-1909723 ACCOUNTING AUDIT | Accounting (including auditing) Service code 10 | — | $13K |
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 | 472 | 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) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 673 | $199K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 621 | $35K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 472 | $164K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 472 | $163K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 472 | $163K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 333 | $442K |
| Other | HARTFORD LIFE AND ACCIDENT | 472 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.