| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 283 DILLSBURG, PA 17019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $2K | $32K | 10.36% |
| T NASH SKILES INC3 Filed as: T NASH SKILES, INC. | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $14K | $32K | 10.33% |
| JASON RYAN LOWREY3 Filed as: JASON RYAN LOWERY & OTHER AGENTS | 705 CREEKSIDE LANE LITITZ, PA 17543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $393 | $12K | 3.85% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT SOLNS., INC. | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 2.15% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $508 | $4K | 1.31% |
| JAMES H CROUTHAMEL3 | 1308 CUSHMORE ROAD SOUTHAMPTON, PA 18966 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $171 | $4K | 1.29% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $360 | $3K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVENUE HARRISBURG, PA 17177 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
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 | 470 | $1.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 470 | $1.7M |
| Vision | NGL | 387 | $19K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 476 | $368K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 324 | $308K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 476 | $60K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 470 | $1.9M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 513 | $375K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.