| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HIGHMARK INC. | $43K | — | $43K | 4.62% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC | 201 EAST OREGON ROAD LITITZ, PA 17543 | HIGHMARK INC. | $15K | — | $15K | 1.60% |
| THOMAS M TEGLER3 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.68% |
| THOMAS M TEGLER3 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.12% |
| THOMAS M TEGLER3 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.71% |
| THOMAS M TEGLER3 Filed as: THOMAS TEGLER | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | EYEMED VISION CARE | $818 | — | $818 | 9.95% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 130 | $932K |
| Dental | HIGHMARK INC. | 130 | $932K |
| Vision | EYEMED VISION CARE | 106 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $30K |
| Prescription drug | HIGHMARK INC. | 130 | $932K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.