| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $116K | — | $116K | 0.58% |
| AMERICAN INS. ADMINISTRATORS, INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $201K | $10K | $211K | 15.79% |
| AMERICAN INS. ADMINISTRATORS, INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.56% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 Filed as: GETTYSBURG BENEFITS ADMINISTRATORS, | 777 BALTIMORE ST SUITE 97 GETTYSBURG, PA 17325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.21% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA BENEFITS RESOURCE GROUP | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | TELADOC | $7K | — | $7K | 15.00% |
| AMERICAN INS. ADMINISTRATORS, INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 27.95% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 Filed as: GETTYSBURG BENEFITS ADMINISTRATORS, | 777 BALTIMORE ST SUITE 97 GETTYSBURG, PA 17325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.48% |
| HEALY, ALFRED, J3 | 811 BETHLEHEM PK GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.46% |
| DORSHEIMER, DAN, G3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.30% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BLATIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.79% |
| AMERICAN INS. ADMINISTRATORS, INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 7.20% |
| BAFFIN BAY MARKETING GROUP, LLC3 | 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 | $288 | — | $288 | 1.50% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR SUITE 204 SAN ANTONIO, TX 78228 | HUMANA INSURANCE COMPANY | $96 | — | $96 | 0.50% |
| AMERICAN INS. ADMINISTRATORS, INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $381 | — | $381 | 3.00% |
| LINDA MOELLER3 | PO BOX 261 LA COSTE, TX 78039 | HUMANA INSURANCE COMPANY | $254 | — | $254 | 2.00% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S. MCCARRAN BLVD SUITE 1010 RENO, NV 89509 | HUMANA INSURANCE COMPANY | $127 | — | $127 | 1.00% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR SUITE 204 SAN ANTONIO, TX 78228 | HUMANA INSURANCE COMPANY | $127 | — | $127 | 1.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $789 | — | $789 | 10.33% |
| ROBERT ERIK CHALL3 | 4100 E PIEDRAS DR SUITE 204 SAN ANTONIO, TX 78228 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $382 | — | $382 | 5.00% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S. MCCARRAN BLVD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $76 | — | $76 | 1.00% |
| GEORGE CHALL3 | 4100 E PIEDRAS DR SUITE 204 SAN ANTONIO, TX 78228 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $51 | — | $51 | 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 | 1,984 | 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) | 1,984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,995 | $20.1M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,995 | $20.0M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,995 | $20.0M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $1.3M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,995 | $20.0M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,917 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,995 | — |
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.
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.