| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | UNKNOWN MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $280 | $6K | 6.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | MADISON NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 20.00% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO. | UNKNOWN LEBANON, PA 17046 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 9.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 12.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.00% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO. | UNKNOWN LEBANON, PA 17046 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $734 | $734 | 8.33% |
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 | 398 | $84K |
| Vision | VISION BENEFITS OF AMERICA | 277 | $20K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 159 | $48K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 73 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.