| 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 LIFE INSURANCE COMPANY | $11K | — | $11K | 15.02% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN., INC. | P.O. BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $976 | — | $976 | 7.05% |
| BEVCAP MANAGEMENT LLC3 Filed as: BEVCAP MANAGEMENT, LLC | 120 W. VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $308 | — | $308 | 2.23% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN., INC. | P.O. BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $802 | — | $802 | 7.54% |
| BEVCAP MANAGEMENT LLC3 Filed as: BEVCAP MANAGEMENT, LLC | 120 W. VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $415 | — | $415 | 3.90% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN., INC. | P.O. BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $492 | — | $492 | 13.01% |
| BEVCAP MANAGEMENT LLC3 Filed as: BEVCAP MANAGEMENT, LLC | 120 W. VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $440 | — | $440 | 11.64% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 190 | $89K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 190 | $75K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 190 | $75K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 190 | $89K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.