| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCF GROUP INC Filed as: BCF GROUP, LLC | 2121 OREGON PIKE LANCASTER, PA 17601 | CAPITAL ADVANTAGE INSURANCE COMPANY | $24K | — | $24K | 2.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 8.21% |
| BCF GROUP INC3 | 2101 OREGON PIKE STE 300 LANCASTER, PA 17601 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 176065406 | AMERICA UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 8.62% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $108K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $73K |
| Life insurance | AMERICA UNITED LIFE INSURANCE COMPANY | 292 | $35K |
| Short-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 292 | $35K |
| Stop-loss / reinsurancereinsurance | CAPITAL ADVANTAGE INSURANCE COMPANY | 83 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.