| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE INSURANCE ASSOCIATES3 | 1525 OREGON PIKE STE 1902 LANCASTER, PA 17601 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 9.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | UNION SECURITY INSURANCE COMPANY | $0 | $144 | $144 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| IAG, INC. BROKER | Insurance agents and brokers Service code 22 | 3399 JETSTAR DRIVE LITITZ, PA 17543 | $6K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $2K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $1K |
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 | 28 | 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) | 28 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 28 | $46K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 28 | $46K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 28 | $46K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 28 | $46K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUMHEALTH | 25 | $75K |
| Other | UNION SECURITY INSURANCE COMPANY | 28 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28 | — |
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.