| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD 4 RADNOR CORPORATE CENTER, STE 510 WAYNE, PA 19087 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $60K | $0 | $60K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 4.18% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 2.60% |
| PENNYSYLVANIA AUTO ASSOC INS. AGCY3 | UNKNOWN HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 2.21% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | UNKNOWN HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $747 | $747 | 0.76% |
| TRION GROUP, INC.3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $211 | $0 | $211 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.02% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | 2500 ELMERTON AVENUE HARRISBURG, PA 17177 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.01% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 137 | $993K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 137 | $993K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 169 | $119K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 94 | $98K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 94 | $98K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 137 | $993K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 169 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.