| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRILOGY GROUP BENEFITS LLC3 | 118 MERCHANT AVE MOUNT JOY, PA 17552 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $39K | — | $39K | 3.66% |
| BCF GROUP INC3 Filed as: BCF GROUP LLC | 2121 OREGON PIKE LANCASTER, PA 17601 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $3K | — | $3K | 0.23% |
| TRILOGY GROUP BENEFITS LLC3 | 118 MERCHANT AVE MOUNT JOY, PA 17552 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 9.11% |
| MICHAEL ALFONSO SR3 | 118 MERCHANT AVE MOUNT JOY, PA 17552 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 4.54% |
| MICHAEL A ALFONSO3 Filed as: MICHAEL ALFONSO | 29 SOUTH MARKET STREET ELIZABETHTOWN, PA 17022 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 30.05% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 206 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 130 | $99K |
| Vision | UNION SECURITY INSURANCE COMPANY | 130 | $99K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 130 | $99K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 130 | $99K |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 130 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.