| 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 | $6K | $122K | $128K | 4.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.01% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $867 | $3K | 10.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 210 INDUSTRIAL PART ROAD, SUITE 13 JOHNSTOWN, PA 15904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $276 | $2K | 9.27% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | $101 | $422 | 1.60% |
| TIMOTHY SKILES3 Filed as: TIMOTHY NASH SKILES | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $0 | $155 | 0.59% |
| BRENDA LEE PLACKO AND OTHER AGENTS3 | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $4 | $122 | 0.46% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 EAST HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.39% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.28% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $3 | $24 | 22.64% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $7 | $21 | 19.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 210 INDUSTRIAL PART ROAD, SUITE 13 JOHNSTOWN, PA 15904 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 19.81% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 355 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 355 | $2.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 355 | $2.7M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $113K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $27K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $113K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 355 | $2.7M |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
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.