| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | PRINCIPAL LIFE INSURANCE COMPANY | $63K | $29K | $92K | 11.42% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | — | $21K | $21K | 2.61% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE SRVS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $19K | $19K | 2.39% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BOULEVARD SUITE 3000 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.74% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY AND ASSOCIATES, INC | 908 BEAVER DRIVE DU BOIS, PA 15801 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.66% |
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 | 890 | 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) | 890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,214 | $805K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,214 | $805K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,214 | $805K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,214 | $805K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,214 | $805K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,214 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,214 | — |
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.