| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $3K | $21K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 1.06% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 12.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $213 | $2K | 26.16% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMINISTRATION | PO BOX 1060 GETTYSBURG, PA 17325 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $902 | $0 | $902 | 14.14% |
| JEREMY C TUCKFELT3 | 3456 PENN AVE PITTSBURGH, PA 15201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $120 | $0 | $120 | 1.88% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | EYEMED | $511 | $0 | $511 | 8.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | EYEMED | $84 | $0 | $84 | 1.41% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 50 | $769K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $74K |
| Vision | EYEMED | 83 | $6K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $74K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $74K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.