| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMIN LLC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HARTFORD LIFE AND ACCIDENT | $20K | $0 | $20K | 9.28% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 3.98% |
| AMERICAN INSURANCE ADMINISTRATORS3 | UNKNOWN MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $22K | $4K | $26K | 12.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.96% |
| JONATHON R SEELE3 Filed as: JONATHON R. SEELE | 60 BYRON NELSON CIRCLE ETTERS, PA 17319 | AFLAC | $11 | $0 | $11 | 3.09% |
| CHRIS H ROBINSON3 Filed as: CHRIS H. ROBINSON | 2 MAYFIELD ROAD MECHANICSBURG, PA 17055 | AFLAC | $8 | $0 | $8 | 2.25% |
| C A LUPP INC3 Filed as: C A LUPP,INC. | 805 BUTLER DRIVE MIDDLETOWN, PA 17057 | AFLAC | $6 | $0 | $6 | 1.69% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY SUITE 304 HARRISBURG, PA 17110 | AFLAC | $4 | $0 | $4 | 1.12% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 10 UNION AVENUE, APARTMENT 302 BALA CYNWYD, PA 19004 | AFLAC | $3 | $0 | $3 | 0.84% |
| DARREN D RIDDLE3 Filed as: DARREN D. RIDDLE AND OTHER AGENTS | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $1 | $0 | $1 | 0.28% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHNOW ADMINISTRATIVE SERVICES EIN 11-3667763 CLAIMS PROCESSING | Claims processing Service code 12 | — | $4.9M |
| HEALTH EQUITY INC EIN 52-2383166 FSA CLAIMS | Claims processing Service code 12 | — | $374K |
| EPLS, LLC EIN 84-1955995 PRESCRIPTIONS | Insurance services Service code 23 | — | $286K |
| OSS HEALTH EIN 80-0458999 CLAIMS PROCESSING | Claims processing Service code 12 | — | $218K |
| UNITED CONCORDIA EIN 23-1661402 DENTAL | Insurance services Service code 23 | — | $131K |
| ACCOLADE, INC. EIN 01-0969591 PATIENT ADVOCACY | Insurance services Service code 23 | — | $91K |
| AMERICAN INSURANCE ADMINISTRATORS EIN 25-1691584 BENEFIT SOFTWARE | Plan Administrator Service code 14 | — | $24K |
| FIDELITY SECURITY LIFE INSURANCE CO EIN 43-0949844 VISION | Insurance services Service code 23 | — | $22K |
| MCKONLY & ASBURY LLC EIN 23-1909723 ACCOUNTING AUDIT | Accounting (including auditing) Service code 10 | — | $20K |
| MAZZITTI & SULLIVAN COUNSELING SERV EIN 23-2485930 EAP | Insurance services Service code 23 | — | $16K |
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 | 518 | 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) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 704 | $217K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 637 | $38K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 518 | $218K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 518 | $218K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 518 | $218K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 366 | $467K |
| Other | HARTFORD LIFE AND ACCIDENT | 518 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.