| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $111K | — | $111K | 0.68% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $227K | $15K | $242K | 15.88% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| BENAWARE3 Filed as: BENAWARE LLC | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| LINDA MOELLER3 | PO BOX 261 LA COSTE, TX 78039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 Filed as: GETTYSBURG BENEFITS ADMINISTRATORS, | 777 BALTIMORE ST, SUITE 97 GETTYSBURG, PA 17325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.13% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $25 | $8K | 12.83% |
| ALFRED HEALY3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $689 | $689 | 1.16% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $456 | — | $456 | 3.00% |
| LINDA MOELLER3 | PO BOX 261 LA COSTE, TX 78039 | HUMANA INSURANCE COMPANY | $303 | — | $303 | 1.99% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S. MCCARRAN BLVD, SUITE 1010 RENO, NV 89509 | HUMANA INSURANCE COMPANY | $152 | — | $152 | 1.00% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | HUMANA INSURANCE COMPANY | $152 | — | $152 | 1.00% |
| ALFRED HEALY | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.36% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $863 | — | $863 | 5.75% |
| DAN G. DORSHEIMER3 Filed as: DAN DORSHEIMER | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $736 | — | $736 | 4.91% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 Filed as: GETTYSBURG BENEFITS ADMINISTRATORS, | 777 BALTIMORE ST, SUITE 97 GETTYSBURG, PA 17325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $640 | — | $640 | 4.27% |
| BENAWARE3 Filed as: BENAWARE LLC | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.80% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 7.20% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $893 | — | $893 | 6.00% |
| LINDA MOELLER3 | PO BOX 261 LA COSTE, TX 78039 | HUMANA INSURANCE COMPANY | $224 | — | $224 | 1.50% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | HUMANA INSURANCE COMPANY | $74 | — | $74 | 0.50% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78228 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $651 | — | $651 | 10.32% |
| ROBERT ERIK CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $315 | — | $315 | 5.00% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S. MCCARRAN BLVD, SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $63 | — | $63 | 1.00% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR, SUITE 204 SAN ANTONIO, TX 78228 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURG | $42 | — | $42 | 0.67% |
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 | 1,938 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,937 | $16.3M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,937 | $16.3M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,272 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,272 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,272 | $1.5M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,937 | $16.3M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,272 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,272 | — |
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.