| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $184K | $0 | $184K | 0.97% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $384K | $23K | $408K | 15.37% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.04% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | TELADOC | $11K | $0 | $11K | 15.03% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $618 | $0 | $618 | 2.59% |
| ALFRED J HEALY3 Filed as: ALFRED J. HEALY | 811 BETHLEHEM PARK GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.34% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.31% |
| DAN G. DORSHEIMER3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.23% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9 | $9 | 0.04% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $2K | $0 | $2K | 16.00% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP INC | 6900 SOUTH MCCARREN BOULEVARD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $121 | $0 | $121 | 1.00% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $1K | $0 | $1K | 12.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $501 | $0 | $501 | 6.00% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP INC | 6900 SOUTH MCCARREN BOULEVARD SUITE 1010 RENO, NV 89509 | MANHATTANLIFE ASSURANCE CO OF AMERICA | $83 | $0 | $83 | 0.99% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | HUMANA INSURANCE COMPANY | $795 | $0 | $795 | 10.79% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $589 | $0 | $589 | 7.99% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HUMANA INSURANCE COMPANY | $531 | $0 | $531 | 7.20% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | METLIFE INSURANCE COMPANY | $759 | $0 | $759 | 11.93% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | METLIFE INSURANCE COMPANY | $386 | $0 | $386 | 6.07% |
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 | 3,329 | 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) | 3,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,954 | $18.9M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,954 | $18.9M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,954 | $18.9M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,329 | $2.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,329 | $2.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,329 | $2.7M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,954 | $18.9M |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,329 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,329 | — |
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.