| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORST INSURANCE3 Filed as: H.G.I.D. INC DBA HORST INSURANCE | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 5.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC DBA | 353 NORTH CLARK STREET CHICAGO, IL 60654 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 6.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 9 RIVER PARK PLACE EAST 3RD FLOOR PO BOX 28932 FRESNO, CA 93729 | AMERITAS LIFE INSURANCE CORP. | — | $699 | $699 | 1.95% |
| H.G.I.D. INC.3 Filed as: H.G.I.D., INC. | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HORST INSURANCE3 Filed as: HGID DBA HORST INSURANCE | 320 GRANITE RUN DRIVE PO BOX 3320 LANCASTER, PA 17604 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D., INC. | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| H.G.I.D. INC.3 Filed as: H.G.I.D., INC. | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $307 | — | $307 | 10.01% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $355K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 66 | $36K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 125 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $3K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $10K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.