| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASTLE BENEFITS CONSULTING GROUP LL3 Filed as: CASTLE BENEFITS CONSULTING GROUP, L | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 5.26% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 16.42% |
| CASTLE BENEFITS CONSULTING GROUP LL3 | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC ENTERPRI | 601 UNION STREET SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $250 | $250 | 0.97% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS,LLC | 117 FORREST AVENUE SUITE 214 NARBERTH, PA 19072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 8.24% |
| NICHOLAS FRANCIS CASTELLANO3 Filed as: NICHOLAS CASTELLANO | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 3.63% |
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 | 566 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 447 | $144K |
| Vision | AETNA LIFE INSURANCE CO. | 447 | $144K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $41K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 121 | $26K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 121 | $26K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INSURANCE COMPANY | 297 | $722K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.