| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.75% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $828 | $828 | 0.83% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $1K | $7K | $8K | 12.17% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PA 17319 | AFLAC | $309 | — | $309 | 3.22% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $167 | — | $167 | 1.74% |
| ANTHONY S ALMODOVAR3 | 800 CORPORATE CIR STE 103 HARRISBURG, PA 17110 | AFLAC | $139 | — | $139 | 1.45% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $128 | — | $128 | 1.33% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | AFLAC | $122 | — | $122 | 1.27% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE CT MECHANICSBURG, PA 17050 | AFLAC | $29 | — | $29 | 0.30% |
| DAVID C SWEIGARD3 | AND VARIOUS AGENTS 2581 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $29 | — | $29 | 0.30% |
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 | 151 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 227 | $66K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 202 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $100K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $100K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.