| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 11.20% |
| PETINA SKILES BENEFITS INC3 Filed as: PETINA SKILES | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $31 | $414 | 0.60% |
| JOHN E LANZETTA3 | 3272 KATIE WAY MECHANICSBURG, PA 17050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $0 | $260 | 0.38% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $26 | $85 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105 | $0 | $105 | 0.73% |
| BROWN AND BROWN OF FLORIDA, INC.2 Filed as: BROWN & BROWN OF PA | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | NATIONAL VISION ADMINISTRATORS, LLC | $380 | $0 | $380 | 4.04% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | NATIONAL VISION ADMINISTRATORS, LLC | $91 | $0 | $91 | 0.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $613 | $0 | $613 | 12.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55 | $0 | $55 | 1.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF PENNSYLVANIA BROKER | Insurance agents and brokers Service code 22 | 125 E ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | $47K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $30K |
| CONNECTCARE3 EIN 23-1768616 OTHER | Other services Service code 49 | — | $8K |
| INNOVU BROKER | Insurance agents and brokers Service code 22 | 2403 SIDNEY ST STE 225 PITTSBURGH, PA 15203 | $6K |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $0 |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 178 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $14K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 122 | $588K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.