| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY | 1200 E. MCKINLEY STREET CHAMBERSBURG, PA 17201 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $34K | — | $34K | 4.99% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC | 1200 E MCKINLEY STREET CHAMBERSBURG, PA 17201 | USABLE LIFE | $2K | — | $2K | 10.00% |
| CONSOLIDATED BENEFITS INC3 | P O BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $1K | — | $1K | 6.63% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC | 1200 E MCKINLEY ST CHAMBERSBURG, PA 17202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $305 | — | $305 | 14.98% |
| STRICKLER AGENCY, INC3 | 1200 E MCKINLEY ST CHAMBERSBURG, PA 17202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $299 | — | $299 | 15.01% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY, INC. | 1200 E. MCKINLEY ST. CHAMBERSBURG, PA 17202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $251 | — | $251 | 14.99% |
| STRICKLER AGENCY, INC3 | 1200 E MCKINLEY ST CHAMBERSBURG, PA 17202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $175 | — | $175 | 15.00% |
No Schedule C service providers reported on this filing.
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 105 | $686K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 123 | $24K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 112 | $23K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 123 | $23K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 123 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.