| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRILOGY GROUP BENEFITS LLC3 | 118 MERCHANT AVE MOUNT JOY, PA 17552 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $62K | — | $62K | 4.28% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DR MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $6K | — | $6K | 0.40% |
| TRILOGY GROUP BENEFITS LLC3 | 118 MERCHANT AVE MOUNT JOY, PA 17552 | UNION SECURITY INSURANCE COMPANY | $21K | — | $21K | 12.53% |
| TRILOGY GROUP BENEFITS LLC3 | 118 MERCHANT AVE MOUNT JOY, PA 17552 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 11.73% |
| MICHAEL A ALFONSO3 | 2563 MARIETTA AVE LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.57% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA LLC | 118 MERCHANT AVE MOUNT JOY, PA 17552 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.71% |
| TRILOGY GROUP BENEFITS LLC3 | 118 MERCHANT AVE MOUNT JOY, PA 17552 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.25% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 205 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 252 | $306K |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 252 | $306K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 252 | $306K |
| Short-term disability(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 252 | $333K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 252 | $306K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 205 | $1.4M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 252 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.