| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $14K | $53K | $67K | 4.63% |
| T NASH SKILES INC3 Filed as: T. NASH SKILES, INC. | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $5K | $10K | 27.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 283 DILLSBURG, PA 17019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $359 | $8K | 21.22% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $4K | 11.77% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 EAST HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $548 | $3K | 7.14% |
| CASEY H EBBERT3 Filed as: CASEY H. EBBERT | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $439 | $3K | 7.01% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $492 | $2K | 4.59% |
| BRENDA LEE PLACKO AND OTHER AGENTS3 | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $827 | $273 | $1K | 2.91% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 287 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 287 | $1.4M |
| Vision | AETNA LIFE INSURANCE COMPANY | 287 | $1.4M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 287 | $1.4M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 78 | $38K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 287 | $1.4M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 287 | $1.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 287 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.