| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $68K | $0 | $68K | 1.73% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 772 LITITZ PIKE LITITZ, PA 17543 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $30K | $0 | $30K | 0.77% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.36% |
| SUSAN R MCSHERRY3 Filed as: SUSAN MCSHERRY | 1330 BRIARGATE DRIVE YORK, PA 17404 | AFLAC | $6K | $599 | $7K | 7.17% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, WA 17055 | AFLAC | $6K | $0 | $6K | 6.59% |
| MJ INSURANCE3 Filed as: HARRY GOODE AND VARIOUS AGENTS | PO BOX 175 LOGANVILLE, PA 17342 | AFLAC | $2K | $0 | $2K | 2.33% |
| C A LUPP INC3 Filed as: CA LUPP INC | 5010 EAST TRINDLE ROAD, SUITE 201 MECAHNICSBURG, PA 17050 | AFLAC | $2K | $125 | $2K | 1.94% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE COURT YORK, PA 17404 | AFLAC | $1K | $0 | $1K | 1.50% |
| ANTHONY ALMODOVAR3 | 3605 VARTAN WAY. SUITE 304 HARRISBURG, PA 17110 | AFLAC | $1K | $125 | $1K | 1.49% |
| SUSAN R MCSHERRY3 Filed as: SUSAN R. MCSHERRY | 219 CAMBRIDGE DRIVE LANGHORNE, PA 19047 | AFLAC | $560 | $10 | $570 | 0.63% |
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 | 577 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 754 | $3.9M |
| Vision | VISION BENEFITS OF AMERICA | 306 | $27K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 380 | $147K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 380 | $147K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 380 | $147K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 754 | $3.9M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 380 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 754 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.