| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELD CONSULTING GROUP LTD LLC3 Filed as: ELD CONSULTING GROUP, LTD LLC | 282 DEER RUN DRIVE MOUNTAIN TOP, PA 18707 | HIGHMARK BLUE SHIELD | $30K | — | $30K | 1.25% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 41 SULLIVAN STREET FORTY FORT, PA 18704 | HIGHMARK BLUE SHIELD | $30K | — | $30K | 1.24% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 9.23% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 7.50% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 41 SULLIVAN STREET FORTY FORT, PA 18704 | PARAMOUNT DENTAL | $3K | — | $3K | 10.00% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| NOVALYZE CONSULTING3 | 41 SULLIVAN STREET FORTY FORT, PA 18704 | VISION SERVICE PLAN | $1K | — | $1K | 5.66% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 1787 SENTRY PKWY W FORTY FORT, PA 18704 | VISION SERVICE PLAN | $939 | — | $939 | 5.00% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $410 | $2K | 10.64% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.49% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $569 | $47 | $616 | 4.09% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.35% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND DRIVE OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $686 | $185 | $871 | 11.38% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $26 | $324 | 4.23% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $685 | — | $685 | 9.21% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $398 | $64 | $462 | 9.87% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $8 | $94 | 2.01% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $352 | $119 | $471 | 11.21% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18704 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $339 | — | $339 | 8.07% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $134 | $12 | $146 | 3.48% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $11 | — | $11 | 0.26% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 4.38% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 3.37% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.35% |
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 | 189 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 152 | $2.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 170 | $78K |
| Vision | VISION SERVICE PLAN | 129 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $95K |
| Short-term disability(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 40 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $19K |
| Prescription drug | HIGHMARK BLUE SHIELD | 152 | $2.4M |
| Other(6 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 189 | $39K |
| 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."
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.