| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AMERICAN INSURANCE ADMINISTRATORS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE INSURANCE COMPANY | $41K | — | $41K | — |
| AMERICAN INSURANCE ADMINISTRATORS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | VISION SERVICE PLAN | $905 | — | $905 | — |
| AMERICAN INSURANCE ADMINISTRATORS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $638 | — | $638 | — |
| BENEFIT ADVISORS NETWORK LLC Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $65 | $65 | — |
| AMERICAN INSURANCE ADMINISTRATORS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| BENEFIT ADVISORS NETWORK LLC | 6830 COCHRAN RD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $121 | $121 | — |
| AMERICAN INSURANCE ADMINISTRATORS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| BENEFIT ADVISORS NETWORK LLC | 6830 COCHRAN RD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $283 | $283 | — |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE INSURANCE COMPANY | 103 | $0 |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 175 | $54K |
| Vision | VISION SERVICE PLAN | 95 | $0 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $0 |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $0 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26 | $0 |
| Prescription drug | CAPITAL ADVANTAGE INSURANCE COMPANY | 103 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.