| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN L KRAUSE3 | 1021 NORTH WATERFORD WAY MECHANICSBURG, PA 17050 | HIGHMARK BLUESHIELD | $14K | — | $14K | 2.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK BLUESHIELD | $12K | — | $12K | 2.69% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS ADMNSTRS, LLC | 4550 LENA DRIVE MECHANICBURG, PA 17055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $278 | $278 | 2.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20 | $20 | 0.14% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS ADMNSTRS, LLC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $316 | $316 | 2.56% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22 | $22 | 0.18% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS ADMNSTRS, LLC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $290 | $290 | 2.51% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21 | $21 | 0.18% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS ADMNSTRS, LLC | 450 LENA DRIVE MECHANICSBURG, PA 17055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $265 | $265 | 2.37% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19 | $19 | 0.17% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM (PROVIDENT LIFE & ACCIDENT INSURANCE) | $717 | $40 | $757 | 16.87% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $107 | $4 | $111 | 6.23% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4 | $4 | 0.22% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUESHIELD | 82 | $456K |
| Dental | HIGHMARK BLUESHIELD | 82 | $456K |
| Vision | HIGHMARK BLUESHIELD | 82 | $456K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $25K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 34 | $14K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $12K |
| Prescription drug | HIGHMARK BLUESHIELD | 82 | $456K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.