| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 960 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $20K | $0 | $20K | 2.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 4507 NORTH FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $3K | $0 | $3K | 0.47% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.37% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 960 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.77% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $597 | $0 | $597 | 1.28% |
| DONALD CHARLES ZEPLIN3 | 108 BRYNFIELD WAY HARRISBURG, PA 17112 | AFLAC | $4K | $172 | $4K | 8.62% |
| WILLIAM L MURRAY JR3 Filed as: WILLIAM L. MURRAY JR | 604 HERITAGE COURT MECHANICSBURG, PA 17050 | AFLAC | $2K | $40 | $2K | 3.35% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $865 | $40 | $905 | 1.96% |
| JOHN W DRAY3 Filed as: JOHN W. DRAY | 123 THOMAS ROAD MCMURRAY, PA 15317 | AFLAC | $557 | $0 | $557 | 1.20% |
| MJ INSURANCE3 Filed as: TODD DAY AND VARIOUS AGENTS | PO BOX 123 DORNSIFE, PA 17823 | AFLAC | $373 | $0 | $373 | 0.81% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER A. LUPP | 5010 EAST TRINDLE ROAD SUITE 201 MECHANICSBURG, PA 17050 | AFLAC | $144 | $0 | $144 | 0.31% |
| KRISTEN MURRAY3 | 3506 ASH STREET HARRISBURG, PA 17109 | AFLAC | $77 | $0 | $77 | 0.17% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 12.40% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 129 | $737K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $47K |
| Vision | HIGHMARK INC | 153 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 144 | $31K |
| Short-term disability | AFLAC | 63 | $46K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 144 | $31K |
| Prescription drug | UPMC HEALTH OPTIONS | 129 | $737K |
| Other | HARTFORD LIFE AND ACCIDENT | 144 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.