| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE INSURANCE COMPANY | $38K | — | $38K | 3.84% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 4.60% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $755 | — | $755 | 3.36% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC. | 402 SPRINGTON WAY LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $604 | — | $604 | 2.69% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 1.04% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD DOUGHERTY, INC. | 4550 PRESTWICK DRIVE READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.59% |
| LAWRENCE PRICHARD3 | 110 BRIDAL PATH NEW HOLLAND, PA 17557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.21% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.21% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.97% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | NGL | $462 | — | $462 | 5.00% |
| JANE N ARTMAN4 Filed as: JANE ARTMAN | 75 ARTMAN AVE HELLAM, PA 17406 | AFLAC | $449 | — | $449 | 6.29% |
| LUCINDA SLAGEL4 | 300 HOLYOKE DRIVE YORK, PA 17402 | AFLAC | $59 | — | $59 | 0.83% |
| LISA A PERRI4 Filed as: LISA PERRY | 1650 SAND LAKE ROAD ORLANDO, FL 32809 | AFLAC | $52 | — | $52 | 0.73% |
| JASON E FERGER4 Filed as: JASON FERGER | 3706 EAGLEWOOD STREET VALRICO, FL 33596 | AFLAC | $48 | — | $48 | 0.67% |
| BRANDT INC4 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $35 | — | $35 | 0.49% |
| JOYCE MARIE4 | 11718 GARWOOD DR MAGNOLIA, TX 77354 | AFLAC | $33 | — | $33 | 0.46% |
| CHERYL OARE4 | 640 ROYAL VIEW DR LANCASTER, PA 17601 | AFLAC | $31 | — | $31 | 0.43% |
| RANDALL SIMS4 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $28 | — | $28 | 0.39% |
| DAVID W BRANDT4 Filed as: DAVID BRANDT | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $27 | — | $27 | 0.38% |
| BRIAN L HURST4 Filed as: BRIAN HURST | 255 BUTLER AVE, STE 104 LANCASTER, PA 17601 | AFLAC | $21 | — | $21 | 0.29% |
| BONITA REID4 | 463 NEW DORWART ST LANCASTER, PA 17603 | AFLAC | $17 | — | $17 | 0.24% |
| RPM LTD4 | 25 WEATHERBY CIR SAVANNAH, GA 31405 | AFLAC | $17 | — | $17 | 0.24% |
| SHELLY S GWIN4 Filed as: SHELLY GWIN | 94 OATFIELD DRIVE DENVER, PA 17517 | AFLAC | $15 | — | $15 | 0.21% |
| DIANNE L MARTIN4 Filed as: DIANNE MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $11 | — | $11 | 0.15% |
| FAITH CRYSTAL TAYLOR4 Filed as: FAITH BURRIS | 251 LONG BEACH DR HOT SPRINGS, AR 71913 | AFLAC | $10 | — | $10 | 0.14% |
| MARK D BARBIER4 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $9 | — | $9 | 0.13% |
| DONALD GREEN4 | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $6 | — | $6 | 0.08% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $5 | — | $5 | 0.07% |
| RICHARD J PURISKY4 Filed as: RICHARD PURISKY | 244 CROSS CREEK TRL BANNER ELK, NC 28604 | AFLAC | $4 | — | $4 | 0.06% |
| DAVID W RANCK4 Filed as: DAVID RANCK | 848 E MAIN ST, SUITE 800 EPHRATA, PA 17522 | AFLAC | $4 | — | $4 | 0.06% |
| DANIEL R JUDY4 Filed as: DANIEL JUDY | 231 WALTERS MILL ROAD SOMERSET, PA 15501 | AFLAC | $1 | — | $1 | 0.01% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 186 | $36K |
| Vision | NGL | 189 | $9K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $43K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 107 | $20K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 107 | $27K |
| Stop-loss / reinsurancereinsurance | CAPITAL ADVANTAGE INSURANCE COMPANY | 100 | $996K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 107 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.