| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IN GROUP ASSOCIATES, INC.3 | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | SYMETRA LIFE INSURANCE COMPANY | $65K | $7K | $72K | 16.50% |
| IN GROUP ASSOCIATES, INC.3 | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | HEARTLAND | $2K | $0 | $2K | 5.00% |
| IN GROUP ASSOCIATES, INC.3 | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA) | $2K | $0 | $2K | 22.57% |
| BENEFITMALL3 | 250 W. OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA) | $0 | $799 | $799 | 7.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 | Claims processing Service code 12 | 1800 CENTER STREET P.O. BOX 890089 CAMP HILL, PA 17089 | $158K |
| SIGNIFICA BENEFITS SERVICES, INC. EIN 23-2504308 | Claims processing Service code 12 | P.O. BOX 7777 LANCASTER, PA 176047777 | $12K |
| LIFE INSURANCE COMPANY OF NORTH AME EIN 23-1503749 | Claims processing Service code 12 | P.O. BOX 20643 LEHIGH VALLEY, PA 180020643 | $8K |
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 | 307 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEARTLAND | 541 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA) | 307 | $11K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 274 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.