| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 3.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3 RADNOR CORPORATE CTR, SUITE 100 100 MATSONFORD ROAD RADNOR, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $52K | — | $52K | 6.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3 RADNOR CORPORATE CTR, SUITE 100 100 MATSONFORD RD RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $3K | $45K | 12.74% |
| UNKNOWN3 | — | HEALTH NEW ENGLAND, INC. | $6K | — | $6K | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3 RADNOR CORPORATE CTR, SUITE 100 100 MATSONFORD RD RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 5.78% |
| ASSURANCE AGENCY LTD3 | 111 N CANAL ST SUITE 550 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD RD 3 RADNOR CORPORATE CTR, SUITE 100 RADNOR, PA 19087 | VISION SERVICE PLAN | $3K | — | $3K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3 RADNOR CORPORATE CTR, SUITE 100 100 MATSONFORD RD RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $849 | $5K | 4.58% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC. | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA | $11K | $7K | $17K | 17.28% |
| PSA FINANCIAL, INC.5 Filed as: PSA FINANCIAL INC. | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA | — | $4K | $4K | 3.76% |
| PSA FINANCIAL, INC.3 Filed as: PSA INS & FINANCIAL PARTNERS LLC | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA | $4K | — | $4K | 3.63% |
| PSA FINANCIAL, INC.5 Filed as: PSA INS & FINANCIAL PARTNERS LLC | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA | — | $1K | $1K | 1.24% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY SUITE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA | — | $1K | $1K | 1.09% |
| ASSURANCE AGENCY LTD3 | 111 N CANAL ST SUITE 550 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3 RADNOR CORPORATE CTR, SUITE 100 100 MATSONFORD ROAD RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $229 | $6K | 12.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO, LLC | DAWSON CONSULTING GROUP 3900 KINROSS LAKES PKWY STE 300 RICHFIELD, OH 44286 | DELTA DENTAL OF OHIO | $2K | — | $2K | 5.29% |
| SEE ATTACHED3 | — | AFLAC | $9K | $505 | $10K | 23.41% |
| SEE ATTACHED3 | — | AFLAC | $4K | $93 | $4K | 14.16% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $691 | — | $691 | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $439 | $93 | $532 | 2.59% |
| KABAY FRANK3 | 1438 COLWELL LN APT 303 CONSHOHOCKEN, PA 19428 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| BELMONT ASSOCIATES CONSULTANTS3 | 4 RADNOR CORP STE 510 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.11% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $446 | — | $446 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | DBA DAWSON INSURANCE KINROSS PARKWAY #300 RICHFIELD, OH 44286 | HEARTLAND | $401 | — | $401 | 5.00% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $173 | — | $173 | 2.97% |
| UNKNOWN3 | — | COUNTRYWIDE PRE-PAID LEGAL SERVICES, INC. | $268 | — | $268 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3 RADNOR CORPORATE CTR, SUITE 100 100 MATSONFORD ROAD RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15 | $15 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Other services Service code 12 | — | $712K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Insurance brokerage commissions and fees; Other fees Service code 12 | — | $143K |
| WEST HEALTH ADVOCATE SOLUTIONS, INC EIN 23-3080019 NONE | Claims processing; Other fees; Other services Service code 12 | — | $37K |
| CAREBRIDGE CORPORATION EIN 23-2614764 NONE | Other services; Other fees Service code 49 | — | $15K |
| FAMILY AND CHILDREN SRV OF ITHACA EIN 15-0589039 NONE | Other fees; Other services Service code 49 | — | $4K |
| THE RICHARDS GROUP NONE | Claims processing; Other fees Service code 12 | 48 HARRIS PLACE PO BOX 820 BRATTLEBORO, VT 05302 | $2K |
| FURTHER NONE | Claims processing; Other fees Service code 12 | 3535 BLUE CROSS ROAD EAGAN, MN 55122 | $400 |
| WEST CENTRAL BEHAVIORAL HEALTH EIN 22-2645978 NONE | Other services; Other fees Service code 49 | — | $270 |
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 | 2,208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $2.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 1,321 | $846K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 770 | $123K |
| Life insurance(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,281 | $542K |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 381 | $269K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,281 | $431K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $2.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 751 | $1.6M |
| Other(9 contracts, 6 carriers) | UNITED OF OMAHA | 1,281 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,321 | — |
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.