| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL GROUP3 | TWO BARLO CIRCLE, SUITE C DILLSBURG, PA 17019 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $21K | $0 | $21K | 7.50% |
| BENEFIT CONNECTIONS, INC.3 | 354 ALEXANDER SPRING ROAD, SUITE 4 CARLISLE, PA 17015 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $3K | $0 | $3K | 9.21% |
| BENEFIT CONNECTIONS, INC.3 | 354 ALEXANDER SPRING ROAD, SUITE 4 CARLISLE, PA 17013 | SUNLIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 12.46% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 927 | $230K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 341 | $36K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 448 | $279K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 448 | $279K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 448 | $279K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 448 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.