| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GETTYSBURG BNFTS ADMIN INC3 | 777 BALTIMORE ST STE 97 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | $143K | — | $143K | 49.73% |
| BEVCAP MANAGEMENT LLC3 Filed as: BEVCAP MANAGEMENT, LLC | 120 W VIRGINIA ST #200 MCKINNEY, TX 75069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | $57K | — | $57K | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON CHAPMAN, LTD EIN 74-2305238 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $364K |
| BEVCAP MANAGEMENT EIN 26-1870141 BROKER OF RECORD | Insurance brokerage commissions and fees Service code 53 | — | $190K |
| CORNERSTONE RISK SOLUTIONS EIN 20-2557329 CO-BROKER/CONSULTANT | Insurance brokerage commissions and fees Service code 53 | — | $106K |
| BEVCAP HEALTH PROTECTED CELL EIN 46-3894672 CAPTIVE ADMINISTRATOR | Contract Administrator Service code 13 | — | $26K |
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 | 892 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | 675 | $287K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | 675 | $303K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 892 | $694K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.