| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATION3 | UNKNOWN MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $119K | $49K | $168K | 7.60% |
| AMERICAN INSURANCE ADMINISTRATION3 | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76K | $9K | $85K | 16.05% |
| BLOCK, CHARLES, D3 | 648 VILLAGE PARK DRIVE, UNITE 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $414 | $3K | 0.63% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE ROAD, SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $379 | $3K | 0.63% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK, INC. | $19K | $0 | $19K | 5.50% |
| KEVIN L KRAUSE3 Filed as: KEVIN L. KRAUSE | 1021 NORTH WATERFORD WAY MECHANICSBURG, PA 17050 | HIGHMARK, INC. | $17K | $0 | $17K | 4.77% |
| BLOCK, CHARLES, D3 | 648 VILLAGE PARK DRIVE, UNITE 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $2K | $28K | 13.28% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE ROAD, SUITE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $2K | $28K | 13.26% |
| AMERICAN INSURANCE ADMINISTRATION3 | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 9.76% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 0.79% |
| UNKNOWN3 | UNKNOWN ENOLA, PA 17025 | TELADOC | $20K | $0 | $20K | 15.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $4K | $0 | $4K | 16.00% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG | $246 | $0 | $246 | 1.00% |
| AMERICAN INSURANCE ADMINISTRATION3 | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | METLIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.00% |
| AMERICAN INSURANCE ADMINISTRATION3 | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $487 | $0 | $487 | 11.99% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $163 | $0 | $163 | 4.01% |
| LINDA MOELLER3 Filed as: LINDA KELLER MOELLER | PO BOX 261 LA COSTE, TX 78039 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $81 | $0 | $81 | 1.99% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $41 | $0 | $41 | 1.01% |
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 | 6,184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 7,167 | $2.2M |
| Vision | HIGHMARK, INC. | 6,768 | $353K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,240 | $739K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,240 | $527K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,240 | $527K |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,956 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,956 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.