| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 3.06% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD., STE 600 RALEIGH, NC 27612 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $46 | $1K | 18.50% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMINISTRACTION | PO BOX 1060 GETTYSBURG, PA 17325 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $827 | $0 | $827 | 10.47% |
| JEREMY C TUCKFELT3 | 3456 PENN AVE PITTSBURGH, PA 15201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $117 | $0 | $117 | 1.48% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | EYEMED | $542 | $0 | $542 | 9.87% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $831K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $80K |
| Vision | EYEMED | 98 | $5K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $80K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $80K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 14 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.