| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC | 484 MURRAY HILL CIRCLE LANCASTER, PA 17601 | HM LIFE INSURANCE COMPANY | $65K | — | $65K | 6.25% |
| AMERICAN INSURANCE ADMINSTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY | $31K | — | $31K | 2.99% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE | 4550 LENA DR MECHANICSBURG, PA 17055 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 3.88% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY N, SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.13% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS ALERA GROUP AGENCY LLC | 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $55K | — | $55K | 25.35% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES LLC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | TRANSAMERICA LIFE INSURANCE COMPANY | $27K | — | $27K | 12.38% |
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 | 860 | 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) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 860 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 704 | $244K |
| Vision | HIGHMARK, INC. | 860 | $0 |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 860 | $436K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 860 | $215K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 860 | $436K |
| Prescription drug | HIGHMARK, INC. | 860 | $0 |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 691 | $1.0M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,400 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,400 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.