| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $974 | $8K | 5.96% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $469 | $7K | 5.41% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH JANE GRIFFITHS | 3893 SWEET ARROW LAKE ROAD PINE GROVE, PA 17963 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $936 | — | $936 | 0.73% |
| ROGERS BENEFIT GROUP INC3 Filed as: PATRICK MICHAEL ROGERS | 137 CAMELOT CIRCLE CORAOPOLIS, PA 15108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $596 | $178 | $774 | 0.60% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | $7 | $372 | 0.29% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $13 | $338 | 0.26% |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD AARONBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | — | $253 | 0.20% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $50 | $120 | 0.09% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.05% |
| LAWRENCE PRICHARD3 | 650 SKAGGS LANE HILLSBOROUGH, KY 41049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 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 | 273 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEARTLAND - NATIONAL VISION ADMINISTRATORS, LLC | 459 | $38K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 386 | $191K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $129K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9 | $5K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 386 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.