| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | ONE INTERNATIONAL PLAZA, 4TH FLOOR PHILADELPHIA, PA 19113 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $24K | $0 | $24K | 1.63% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $13K | 8.49% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT SOLUTION | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 8.47% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $3K | $15K | 17.52% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $375 | $1K | $1K | 1.67% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $991 | $0 | $991 | 1.17% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 EAST HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $527 | $94 | $621 | 0.73% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH JANE GRIFFITHS | 3893 SWEET ARROW LAKE ROAD PINE GROVE, PA 17963 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 0.18% |
| LANCE A BRADLEY3 Filed as: LANCE A. BRADLEY | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $3 | $148 | 0.17% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARLETT LLC | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.15% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 171 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $148K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $148K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 121 | $85K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $233K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $148K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 171 | $1.5M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 121 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.