| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT DESIGN SPECIALISTS, INC.3 | 600 WILSON LANE, SUITE 200 MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $34K | — | $34K | 2.82% |
| BENEFIT DESIGN SPECIALISTS, INC.3 | 600 WILSON LANE, SUITE 200 MECHANICSBURG, PA 17055 | GUARDIAN LIFE INSURANCE COMPANY | $17K | — | $17K | 6.36% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 450 SOUTH GRAVERS RD., SUITE 200 PLYMOUTH MEETING, PA 19462 | GUARDIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E. ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | HEARTLAND- NATIONAL VISION ADMINISTRATORS | $755 | — | $755 | 5.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 161 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 176 | $267K |
| Vision | HEARTLAND- NATIONAL VISION ADMINISTRATORS | 170 | $15K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 176 | $267K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 176 | $267K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 176 | $267K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 161 | $1.2M |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 176 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.