| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | HIGHMARK INC. | $183K | — | $183K | 4.22% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.34% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.02% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE # 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 16.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4000 SMITH RD CINCINNATI, OH 45209 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 13.15% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 COCKEYSVILLE, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $974 | — | $974 | 4.21% |
| GERALD L WALSH3 | 39 POCAHONTAS LANE HALIFAX, PA 17032 | AFLAC | $252 | — | $252 | 2.01% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $195 | — | $195 | 1.55% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL ROAD GARDNERS, PA 17324 | AFLAC | $99 | — | $99 | 0.79% |
| GARY STEFUS3 | 345 MISTY PATCH ROAD EAST FALLOWFIELD, PA 19320 | AFLAC | $91 | — | $91 | 0.73% |
| SAMUEL A BOORE3 | 4081 ROSEWALL CT HARRISBURG, PA 17112 | AFLAC | $86 | — | $86 | 0.69% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $84 | — | $84 | 0.67% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $55 | — | $55 | 0.44% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $51 | — | $51 | 0.41% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILEDELPHIA, PA 19125 | AFLAC | $41 | — | $41 | 0.33% |
| GAIL I HOLTZINGER3 | 427 S 2ND ST WRIGHTSVILLE, PA 17368 | AFLAC | $37 | — | $37 | 0.29% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PA 17319 | AFLAC | $32 | — | $32 | 0.26% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $25 | — | $25 | 0.20% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $24 | — | $24 | 0.19% |
| THOMAS R FILDES3 | 9134 WOOD DUCK CT STREETSBORO, OH 44241 | AFLAC | $22 | — | $22 | 0.18% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17109 | AFLAC | $18 | — | $18 | 0.14% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DR SINKING SPRING, PA 19608 | AFLAC | $16 | — | $16 | 0.13% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $11 | — | $11 | 0.09% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 57754 | AFLAC | $11 | — | $11 | 0.09% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $10 | — | $10 | 0.08% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $8 | — | $8 | 0.06% |
| LOUIS J CORADO JR3 | 212 YORK COTTAGE DR HAINES CITY, FL 33844 | AFLAC | $8 | — | $8 | 0.06% |
| C H ROBINSON & ASSOCIATES INC3 | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $7 | — | $7 | 0.06% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $7 | — | $7 | 0.06% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $7 | — | $7 | 0.06% |
| MARY A BARANSKI3 | 1334 CREEK RD CARLISLE, PA 17015 | AFLAC | $7 | — | $7 | 0.06% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $7 | — | $7 | 0.06% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE RD GETTYSBURG, PA 17325 | AFLAC | $7 | — | $7 | 0.06% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $7 | — | $7 | 0.06% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $6 | — | $6 | 0.05% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $6 | — | $6 | 0.05% |
| STEPHANIE J RITTNER3 | 109 FONTAINE CT MONROE TOWNSHIP, NJ 08831 | AFLAC | $5 | — | $5 | 0.04% |
| LARA ESCHBACH3 | 1027 SOUTH ST POTTSTOWN, PA 19464 | AFLAC | $4 | — | $4 | 0.03% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $3 | — | $3 | 0.02% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $2 | — | $2 | 0.02% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PL MCMURRAY, PA 15317 | AFLAC | $2 | — | $2 | 0.02% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $1 | — | $1 | 0.01% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $0 | — | $0 | 0.00% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $0 | — | $0 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $45 | $35 | $80 | 20.94% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 4.97% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.89% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.59% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $20 | $35 | $55 | 32.16% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 5.26% |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HIGHMARK INC. | 493 | $4.3M |
| Dental | HIGHMARK INC. | 493 | $4.3M |
| Vision | HIGHMARK INC. | 493 | $4.3M |
| Life insurance(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 765 | $107K |
| Short-term disability | AFLAC | 20 | $13K |
| Long-term disability(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $58K |
| Prescription drug | HIGHMARK INC. | 493 | $4.3M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 765 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.
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.