| 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 | $0 | $43K | $43K | 3.21% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF PENNSYLVANIA | $50K | $0 | $50K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $5K | $59K | 12.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | ASSURANCE 20 N MARTINGALE RD SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $2K | $57K | 13.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $4K | $21K | 6.15% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 3.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 10.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $3K | $0 | $3K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | ASSURANCE 20 N MARTINGALE RD SCHAUMBURG, IL 60173 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $8K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $7K | 10.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $707 | $8K | 12.93% |
| SEE ATTACHED3 | — | AFLAC -CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 10.75% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $579 | $0 | $579 | 3.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $304 | $22 | $326 | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $810 | $0 | $810 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COUNTRYWIDE PRE-PAID LEGAL | $375 | $0 | $375 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $324 | $0 | $324 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COUNTRYWIDE PRE-PAID LEGAL | $129 | $0 | $129 | 9.97% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 2.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services; Other fees Service code 12 | — | $591K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing; Other fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $152K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $147K |
| HEALTH ADVOCATE SOLUTIONS, INC EIN 23-3080019 NONE | Other fees; Claims processing; Other services Service code 12 | — | $28K |
| AMERIFLEX NONE | Other fees; Claims processing Service code 12 | 2508 HIGHLANDER WAY SUITE 200 CARROLLTON, TX 75006 | $25K |
| CURALINC, LLC EIN 33-1206383 NONE | Other services; Other fees Service code 49 | — | $21K |
| FAMILY AND CHILDREN SRV OF ITHACA EIN 15-0589039 NONE | Other fees; Other services Service code 49 | — | $5K |
| FURTHER NONE | Claims processing; Other fees Service code 12 | 3535 BLUE CROSS ROAD EAGAN, MN 55122 | $2K |
| WEST CENTRAL BEHAVIORAL HEALTH EIN 22-2645978 NONE | Other fees; Other services Service code 49 | — | $0 |
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 | 2,280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $1.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,096 | $762K |
| Vision | VISION SERVICE PLAN | 834 | $97K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,323 | $554K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $234K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,330 | $422K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $1.8M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 520 | $2.0M |
| Other(13 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,323 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,330 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.