| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC. | 1200 E. MCKINLEY STREET CHAMBERSBURG, PA 17202 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 2.00% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC. | 1200 E. MCKINLEY STREET CHAMBERSBURG, PA 17202 | HEARTLAND | $419 | — | $419 | 2.00% |
| HARTMAN EMPLOYEE BENEFITS3 | 420 WILLIAM STREET WILLIAMSPORT, PA 177016127 | DEARBORN NATIONAL LIFE INSURANCE | $1K | $0 | $1K | 12.90% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS INC. | 2500 ELMERTON AVENUE HARRISBURG, PA 17177 | DEARBORN NATIONAL LIFE INSURANCE | — | $385 | $385 | 3.44% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC. | PO BOX 307 CHAMBERSBURG, PA 172010307 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 11.36% |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 351 | $148K |
| Vision | HEARTLAND | 343 | $21K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE | 455 | $21K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 73 | $286K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE | 455 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.