| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY | 1200 E. MCKINLEY ST CHAMBERSBURG, PA 17201 | AVALON INSURANCE COMPANY | $29K | $0 | $29K | 10.00% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC | 1200 E MCKINLEY ST CHAMBERSBURG, PA 170222906 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $18K | $5K | $23K | 14.48% |
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVE HARRISBURG, PA 17177 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.99% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY | 1200 E MCKINLEY STREET CHAMBERSBURG, PA 17201 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $987 | $0 | $987 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $197K |
| STRICKLER AGENCY BROKER | Insurance agents and brokers Service code 22 | 1200 E. MCKINLEY ST. CHAMBERSBURG, PA 17201 | $45K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $29K |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 728 | $33K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 429 | $158K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 429 | $158K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 429 | $158K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 746 | $295K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 429 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 746 | — |
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.