| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $124K | $0 | $124K | 0.65% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $214K | $13K | $227K | 15.62% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.09% |
| AMERICAN INSURANCE ADMINISTRATORS3 | UNKNOWN ENOLA, PA 17025 | TELADOC | $12K | $0 | $12K | 18.28% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LEAN DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 14.82% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $363 | $0 | $363 | 1.27% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.27% |
| ALFRED J HEALY3 Filed as: ALFRED J. HEALY | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.26% |
| DAN G. DORSHEIMER3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.17% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 8.58% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 7.70% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 16190 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 7.42% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP, INC | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | HUMANA INSURANCE COMPANY | $60 | $0 | $60 | 0.29% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 16190 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $1K | $0 | $1K | 15.99% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP, INC | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $89 | $0 | $89 | 1.00% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $407 | $0 | $407 | 12.01% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 16190 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $203 | $0 | $203 | 5.99% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP, INC | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $34 | $0 | $34 | 1.00% |
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) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,019 | $19.2M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,019 | $19.2M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,019 | $19.2M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $1.5M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,019 | $19.2M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,984 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,019 | — |
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.