| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARTMAN EMPLOYEE BENEFITS3 | 420 WILLIAM STREET WILLIAMSPORT, PA 17701 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $22K | — | $22K | 1.90% |
| T NASH SKILES INC3 Filed as: T. NASH SKILES, INC. | 1574 LITITZ PLACE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 7.08% |
| BRENDA LEE PLACKO AND OTHER AGENTS3 Filed as: BRENDA LEE PACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $377 | $5K | 4.86% |
| MJ INSURANCE3 Filed as: RICHARD F. DURR AND VARIOUS AGENTS | 159 COOK ROAD DUBOIS, PA 15801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $186 | $3K | 2.52% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $964 | $2K | 2.19% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 EAST HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $123 | $1K | 1.30% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $763 | $67 | $830 | 0.74% |
| DESIREE WENDELL3 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $380 | $48 | $428 | 0.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 420 WILLIAMS STREET WILLIAMSPORT, PA 17701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $5K | $8K | 11.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $361 | — | $361 | 0.49% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | UNKNOWN LANCASTER, PA 17601 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 160 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $74K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $74K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 160 | $112K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 160 | $112K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 29 | $6K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 150 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
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.