| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INS. ADMINISTRATORS, INC.3 Filed as: AMERICAN INS. ADMINISTRATORS | UNKNOWN MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $2K | $9K | 12.23% |
| DONALD HEALEY3 Filed as: DONALD M. HEALEY | 344 NORTH FRONT STREET LEMOYNE, PA 17043 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.26% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.01% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS. ADMINISTRATORS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PRINCIPAL LIFE INSURANCE COMPANY | $797 | $0 | $797 | 1.78% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS. ADMINISTRATORS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 4550 LENA DRIVE, 3RD FLOOR MECHANICSBURG, PA 17055 | FSL | $502 | $0 | $502 | 5.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 205 | $70K |
| Vision | FSL | 194 | $10K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $88K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $88K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $88K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 97 | $414K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.