| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DR STE 250 LANCASTER, PA 17601 | HIGHMARK | $8K | $0 | $8K | 10.72% |
| AMERICAN INS ADMIN INC3 | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 17050 | AMERICAN UNITED LIFE INSURANCE COMPANY | $21K | $0 | $21K | 100.00% |
| FOCUS HRO LLC3 | 2500 ELMERTON AVE STE 218 HARRISBURG, PA 17177 | AMERICAN UNITED LIFE INSURANCE COMPANY | $595 | $0 | $595 | 2.81% |
| AMERICAN INS ADMIN INC3 Filed as: AMERICAN INS ADMIN INC. | 4550 LENA DR MECHANICSBURG, PA 17055 | AUL ONEAMERICA | $2K | $0 | $2K | 11.22% |
| FOCUSHRO, LLC3 | 717 MARKET ST #110 LEMOYNE, PA 17043 | AUL ONEAMERICA | $595 | $0 | $595 | 2.81% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENCON GROUP LLC EIN 23-1315351 BROKER | Claims processing Service code 12 | — | $36K |
| LR WEBBER EIN 25-1301205 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
| WELLSPAN EIN 22-2517863 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $0 |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK | 139 | $74K |
| Vision | HIGHMARK | 139 | $74K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 65 | $54K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 65 | $42K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 65 | $42K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH UNIMERICA INSURANCE COMPANY | 132 | $278K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 291 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.