| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEVCAP MANAGEMENT LLC3 Filed as: BEVCAP MANAGEMENT, LLC | 120 W. VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.91% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN., INC. | P.O. BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.62% |
| BEVCAP MANAGEMENT LLC3 Filed as: BEVCAP MANAGEMENT, LLC | 120 W. VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $643 | — | $643 | 4.49% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN., INC. | P.O. BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.82% |
| BEVCAP MANAGEMENT LLC3 Filed as: BEVCAP MANAGEMENT, LLC | 120 W. VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $727 | — | $727 | 5.54% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN., INC. | P.O. BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $890 | — | $890 | 15.21% |
| BEVCAP MANAGEMENT LLC3 Filed as: BEVCAP MANAGEMENT, LLC | 120 W. VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $354 | — | $354 | 6.05% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 190 | $77K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 190 | $64K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 190 | $64K |
| Other(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 190 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.