| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN L KRAUSE3 | 1021 NORTH WATERFORD WAY MECHANICSBURG, PA 17050 | HIGHMARK BLUESHIELD | $41K | — | $41K | 2.55% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS ADMNSTRS, LLC | 4550 LENA DRIVE MECHANICBURG, PA 17055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | — | $487 | $487 | 2.05% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE SUITE 120 S BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19 | $19 | 0.08% |
| 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 | — | $431 | $431 | 3.41% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22 | $22 | 0.17% |
| 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 | — | $391 | $391 | 3.91% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS ADMNSTRS, LLC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $951 | — | $951 | 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 | — | $404 | $404 | 4.25% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21 | $21 | 0.22% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $59 | $1K | 49.25% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $33 | $1K | 74.97% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $40 | $40 | 2.55% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUESHIELD | 119 | $1.6M |
| Dental | HIGHMARK BLUESHIELD | 119 | $1.6M |
| Vision | HIGHMARK BLUESHIELD | 119 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $24K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $24K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $10K |
| Prescription drug | HIGHMARK BLUESHIELD | 119 | $1.6M |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.