| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE HEALTHCARE STRATEGIES LLC3 Filed as: CORPORATE HEALTHCARE STRATEGIES | 280 GRANITE RUN DRIVE STE 250 LANCASTER, PA 17601 | HEALTHAMERICA OF PENNSYLVANIA, INC. | $32K | $0 | $32K | 3.00% |
| CORPORATE HEALTHCARE STRATEGIES LLC3 Filed as: CORPORATE HEALTHCARE STRATEGIES | 250 GRANITE RUN DR STE 250 LANCASTER, PA 17601 | UNION SECURITY INSURANCE COMPANY | $22K | — | $22K | 9.57% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 201 KING OF PRUSSIA ROAD SUITE 650 PHILADELPHIA, PA 19087 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| RICHARD RACUSIN3 Filed as: RICHARD J. POWERS | 1537 HOLLYWOOD DRIVE LANCASTER, PA 17601 | MADISON NATIONAL LIFE INSURANCE COMPANY | $943 | $0 | $943 | 12.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $668 | $668 | 8.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $393 | $393 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $18K |
| STOUDT ADVISORS BROKER | Insurance agents and brokers Service code 22 | 280 GRANITE RUN DRIVE SUITE 250 LANCASTER, PA 17601 | $11K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHAMERICA OF PENNSYLVANIA, INC. | 274 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 100 | $227K |
| Vision | UNION SECURITY INSURANCE COMPANY | 100 | $227K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 153 | $235K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 100 | $227K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 100 | $227K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 127 | $98K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 153 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.