| 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 | $17K | — | $17K | 0.83% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $186 | $1K | 5.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 210 INDUSTRIAL PART ROAD, SUITE 13 JOHNSTOWN, PA 15904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $6 | $1K | 4.21% |
| CASEY H EBBERT3 Filed as: CASEY H. EBBERT | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $3 | $290 | 1.08% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 EAST HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $0 | $166 | 0.62% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | 0.54% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $6 | $96 | 0.36% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.30% |
| ELIZABETH GRIFFITHS & OTHER AGENTS3 | 3893 SWEET ARROW LAKE ROAD PINE GROVE, PA 17963 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.06% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 345 | $2.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 345 | $2.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 345 | $2.1M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 345 | $2.1M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 39 | $27K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 345 | $2.1M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 345 | $2.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 345 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.