| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 4550 LENA DR MECHANICSBURG, PA 17050 | HIGHMARK INC | $64K | — | $64K | 3.88% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA LLC | 4550 LENA DR MECHANICSBURG, PA 17055 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 10.24% |
| MICHAEL A ALFONSO3 | 2563 MARIETTA AVE LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 4.11% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA LLC | 4550 LENA DR MECHANICSBURG, PA 17055 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 8.22% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 260 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $302K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $302K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $302K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $333K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $302K |
| Prescription drug | HIGHMARK INC | 260 | $1.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.