| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $216K | $0 | $216K | 0.69% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $589K | $27K | $616K | 16.47% |
| THOMAS CHRISTOPHER SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $3K | $24K | 0.65% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $258 | $0 | $258 | 0.01% |
| JAMES H. VAN EPPS3 | 10930 CRABAPPLE ROAD, SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | $0 | $18 | 0.00% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DRIVE, UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | $0 | $18 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: AIA, ALERA GROUP | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | TELADOC | $14K | $0 | $14K | 15.00% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | METLIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.00% |
| 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 MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $95 | $0 | $95 | 1.00% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $639 | $0 | $639 | 12.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $213 | $0 | $213 | 4.00% |
| LINDA MOELLER3 Filed as: LINDA KELLER MOELLER | PO BOX 261 LA COSTE, TX 78039 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $106 | $0 | $106 | 1.99% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP INC. | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $53 | $0 | $53 | 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 | 3,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,043 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 3,117 | $31.5M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 3,117 | $31.5M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 3,117 | $31.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,150 | $3.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,150 | $3.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,150 | $3.7M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 3,117 | $31.5M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,150 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,150 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.