| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRICKLER AGENCY, INC3 | — | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 10.00% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC | 1200 E MCKINLEY STREET P.O. BOX 307 CHAMBERSBURG, PA 17202 | NATIONAL VISION ADMINISTRATORS LLC (FSL) | $227 | $0 | $227 | 4.99% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC | 1200 E MCKINLEY ST CHAMBERSBURG, PA 17202 | KANSAS CITY LIFE INSURANCE COMPANY | $400 | $0 | $400 | 15.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRICKLER AGENCY INC. EIN 23-1605938 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| CONNECTCARE3 EIN 26-1176861 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $210 |
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 | 54 | 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) | 54 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 76 | $30K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC (FSL) | 80 | $5K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 54 | $3K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 41 | $231K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 54 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.