| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK, INC. | $96K | — | $96K | 6.27% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: HAMPSON-MOWRER AGENCY LLC | 54 S COMMERCE WAY BETHLEHEM, PA 18017 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 11.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.99% |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 225 | $1.5M |
| Dental | HIGHMARK, INC. | 225 | $1.5M |
| Vision | HIGHMARK, INC. | 225 | $1.5M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $106K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $106K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $106K |
| Prescription drug | HIGHMARK, INC. | 225 | $1.5M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.