| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATION3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $689K | $57K | $747K | 15.29% |
| AMERICAN INSURANCE ADMIN., INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $2K | $30K | 0.62% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DRIVE SUITE 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 0.44% |
| JAMES H. VAN EPPS3 | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 0.43% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $6 | $2K | 0.04% |
| AMERICAN INSURANCE ADMINISTRATION3 | UNKNOWN MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $97K | $58K | $155K | 7.38% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK, INC. | $129K | $0 | $129K | 40.33% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DRIVE SUITE 208 WILMINGTON, OH 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $2K | $20K | 13.73% |
| JAMES H. VAN EPPS3 | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, OH 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $2K | $20K | 13.55% |
| AMERICAN INSURANCE ADMIN., INC.3 | 4550 LENA DRIVE MECHANICSBURG, OH 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $1K | $20K | 13.18% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.82% |
| UNKNOWN3 | UNKNOWN ENOLA, PA 17025 | TELADOC | $14K | $0 | $14K | 15.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $2K | $0 | $2K | 10.33% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $226 | $0 | $226 | 1.00% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMIN., INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | METLIFE INSURANCE COMPANY | $2K | $0 | $2K | 27.70% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMIN., INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $508 | $0 | $508 | 12.01% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $127 | $0 | $127 | 3.00% |
| LINDA MOELLER3 Filed as: LINDA KELLER MOELLER | PO BOX 261 LA COSTE, TX 78039 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $85 | $0 | $85 | 2.01% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $42 | $0 | $42 | 0.99% |
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 | 3,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 6,739 | $2.1M |
| Vision | HIGHMARK, INC. | 6,503 | $320K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,240 | $5.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,240 | $4.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,240 | $4.9M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,240 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.