| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. | PO BOX 283 DILLSBURG, PA 17019 | AETNA LIFE INSURANCE COMPANY | — | $115 | $115 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $69 | $69 | 0.00% |
| T NASH SKILES INC3 Filed as: T NASH SKILES, INC. | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $17K | $37K | 14.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 283 DILLSBURG, PA 17019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $1K | $36K | 14.43% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT SOLNS., INC. | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $9K | $17K | 6.62% |
| MJ INSURANCE3 Filed as: LANCE A. BRADLEY AND VARIOUS AGENTS | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $1K | $16K | 6.38% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 2.92% |
| JASON RYAN LOWREY3 | 527 NORTH OAK STREET LITITZ, PA 17543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $630 | $4K | 1.39% |
| LINDA LEE SPECK3 | 60 BLUE RIVER LANE MOUNT UNION, PA 17066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $739 | $13K | 25.41% |
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 | 513 | 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) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 485 | $2.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 485 | $1.8M |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 413 | $21K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 503 | $304K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 503 | $304K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 200 | $52K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 485 | $2.0M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 513 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.