| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $99K | — | $99K | 0.70% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $136K | $18K | $154K | 17.00% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 Filed as: GETTYSBURG BENEFITS ADMINISTRATORS, | 777 BALTIMORE ST, SUITE 97 GETTYSBURG, PA 17325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 40.52% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $51 | $11K | 27.14% |
| ALFRED HEALY3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.60% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $658 | — | $658 | 3.00% |
| LINDA MOELLER3 | PO BOX 261 LA COSTE, TX 78039 | HUMANA INSURANCE COMPANY | $437 | — | $437 | 1.99% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S. MCCARRAN BLVD, SUITE 1010 RENO, NV 89509 | HUMANA INSURANCE COMPANY | $219 | — | $219 | 1.00% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | HUMANA INSURANCE COMPANY | $219 | — | $219 | 1.00% |
| BENAWARE3 Filed as: BENAWARE LLC | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.79% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 7.20% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 5.99% |
| LINDA MOELLER3 | PO BOX 261 LA COSTE, TX 78039 | HUMANA INSURANCE COMPANY | $323 | — | $323 | 1.50% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | HUMANA INSURANCE COMPANY | $107 | — | $107 | 0.50% |
| ALFRED HEALY3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 26.98% |
| DAN G. DORSHEIMER3 Filed as: DAN DORSHEIMER | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 17.98% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 Filed as: GETTYSBURG BENEFITS ADMINISTRATORS, | 777 BALTIMORE ST, SUITE 97 GETTYSBURG, PA 17325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 11.87% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $746 | — | $746 | 7.92% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $729 | — | $729 | 9.76% |
| ROBERT ERIK CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $358 | — | $358 | 4.79% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S. MCCARRAN BLVD, SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $75 | — | $75 | 1.00% |
| LINDA MOELLER3 | PO BOX 261 LA COSTE, TX 78039 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $58 | — | $58 | 0.78% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $50 | — | $50 | 0.67% |
| CLYDE W SOMMERLATTE JR3 Filed as: CLYDE SOMMERLATTE, JR | PO BOX 161630 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $113 | — | $113 | 9.46% |
| CRS MARKETING3 | PO BOX 161630 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $60 | — | $60 | 5.03% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $24 | — | $24 | 2.01% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S. MCCARRAN BLVD, SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $6 | — | $6 | 0.50% |
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 | 1,791 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,791 | $14.2M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,791 | $14.2M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,148 | $913K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,148 | $903K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,148 | $903K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,791 | $14.2M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,148 | $996K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,148 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.