| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $0 | $22K | 19.33% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$3K | $0 | -$3K | -2.35% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$298 | $0 | -$298 | -0.31% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 17.93% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2K | $0 | -$2K | -2.68% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES LLC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 2.89% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 11.17% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$596 | $0 | -$596 | -1.38% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 11.33% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$426 | $0 | -$426 | -1.32% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES LLC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | VISION BENEFITS OF AMERICA | $13 | $0 | $13 | 2.76% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | DELTA DENTAL OF PENNSYLVANIA | $9K | $0 | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, INC. EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $88K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $26K |
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 | 846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,731 | $0 |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 768 | $68K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $43K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 597 | $620K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 846 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,731 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.