| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CCAB INSURANCE & BENEFITS, INC.3 | 2101 OREGON PIKE, SUITE 202 LANCASTER, PA 17601 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.88% |
| CCAB INSURANCE & BENEFITS, INC.3 | 2101 OREGON PIKE, SUITE 202 LANCASTER, PA 17601 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.17% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT SOL | 1574 LITITZ PK LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $357 | $2K | 8.47% |
| CCAB INSURANCE & BENEFITS, INC.3 Filed as: CCAB INSURANCE & BENEFITS INC | 2101 OREGON PK LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.14% |
| PETRINA SKILES3 | 1574 LITITZ PK LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $89 | $370 | 1.66% |
| CASEY H EBBERT3 | 465 LOCUST RUN DR YORK, PA 17404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $0 | $175 | 0.79% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $0 | $144 | 0.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $27K |
| CCAB INSURANCE & BENEFITS, INC. BROKER | Insurance agents and brokers Service code 22 | 2101 OREGON PIKE, SUITE 202 LANCASTER, PA 17601 | $18K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 74 | 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) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 38 | $28K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 38 | $28K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 74 | $55K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 74 | $32K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 74 | $32K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 52 | $358K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 74 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.