| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $6K | $4K | $10K | 7.47% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $5K | $643 | $6K | 4.33% |
| ROGERS BENEFIT GROUP INC3 Filed as: PATRICK MICHAEL ROGERS | 137 CAMELOT CIR CORAOPOLIS, PA 15108 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $1K | $425 | $2K | 1.19% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $1K | — | $1K | 0.81% |
| MARY YARNELL3 | 170 E HAMILTON LN BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $883 | — | $883 | 0.66% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH JANE GRIFFITHS | 3893 SWEET ARROW LAKE RD PINE GROVE, PA 17963 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $342 | — | $342 | 0.25% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 466 CARNEGIE DR PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $213 | $3 | $216 | 0.16% |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $213 | — | $213 | 0.16% |
| ARDENA L MCVICKER3 | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $109 | $63 | $172 | 0.13% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $67 | — | $67 | 0.05% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $59 | — | $59 | 0.04% |
| LAWRENCE PRICHARD3 Filed as: LAWRENCE EUGENE PRICHARD | 650 SKAGGS LN HILLSBORO, KY 41049 | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | $12 | — | $12 | 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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEARTLAND | 444 | $38K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | 408 | $203K |
| Short-term disability | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | 108 | $134K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9 | $4K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTINSURANCE COMPANY | 408 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.