| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 10.12% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AG | 400 BERWYN PK BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $327 | $5K | 7.18% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKW ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $91 | $2K | 3.30% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $987 | $309 | $1K | 2.02% |
| TERESA BURNS3 | 1574 LITITZ PIKE 2025 WHITE DEER TRAIL MALVERN, PA 19355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $958 | $0 | $958 | 1.49% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $362 | $574 | 0.89% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $0 | $304 | 0.47% |
| CASEY H EBBERT3 | 465 LOCUST RUN DR YORK, PA 17404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 BERWYN AVE #200 899 CASSATT RD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 BERWYN AVE #200 899 CASSATT RD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 BERWYN AVE #200 899 CASSATT RD8 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $418 | $145 | $563 | 10.75% |
| FULVIO A. ACOSTA3 Filed as: FULVIO A ACOSTA | 15017 WORTHINGTON RD PHILADELPHIA, PA 19116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $31 | $133 | 2.54% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $16 | $69 | 1.32% |
| ADRENA L MCVICKER3 | 73 KAYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $33 | $52 | 0.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $2 | $47 | 0.90% |
| ALBERT CASTANEDA3 | 2163 RUSH BAY WAY ORLANDO, FL 32824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.57% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.15% |
| SHANE THOMAS WILLIAMS3 | 149 E MORELAND AVE HATBORO, PA 19040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.08% |
| EDWARD J WILLIAMS3 | PO BOX 1716 MEDIA, PA 19063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 BERWYN AVE #200 899 CASSATT RD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $313 | $0 | $313 | 9.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $625 | $5K | — |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $424 | $2K | — |
| JAMES MOORADIAN3 | 277 DARTMOUTH ST FL 4 BOSTON, MA 021162805 | METROPOLITAN LIFE INSURANCE COMPANY | $31 | $0 | $31 | — |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $20K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 100 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.