| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOUDT, DAVID K3 | 280 GRANITE RUN DR STE 250 LANCASTER, PA 17601 | HIGHMARK INC. | $201K | — | $201K | 4.61% |
| 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 | $11K | $3K | $14K | 17.33% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $877 | $877 | 1.09% |
| 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 | $8K | 20.23% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $415 | $415 | 1.06% |
| 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 | $2K | $6K | 16.91% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $347 | $347 | 0.92% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4000 SMITH RD CINCINNATI, OH 45209 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 13.15% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 COCKEYSVILLE, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $610 | — | $610 | 2.06% |
| GERALD L WALSH3 | 39 POCAHONTAS LANE HALIFAX, PA 17032 | AFLAC | $209 | — | $209 | 1.98% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $170 | — | $170 | 1.61% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL RD GARDNERS, PA 17324 | AFLAC | $89 | — | $89 | 0.84% |
| SAMUEL A BOORE3 | 4081 ROSEWALL CT HARRISBURG, PA 17112 | AFLAC | $79 | — | $79 | 0.75% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $70 | — | $70 | 0.66% |
| GARY STEFUS3 | 345 MISTY PATCH RD E FALLOWFIELD, PA 19320 | AFLAC | $67 | — | $67 | 0.63% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $51 | — | $51 | 0.48% |
| BONNIE H DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $35 | — | $35 | 0.33% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $34 | — | $34 | 0.32% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PA 17319 | AFLAC | $29 | — | $29 | 0.27% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $21 | — | $21 | 0.20% |
| GAIL I HOLTZINGER3 | 427 S 2ND ST WRIGHTSVILLE, PA 17368 | AFLAC | $21 | — | $21 | 0.20% |
| THOMAS R FILDES3 | 9134 WOOD DUCK CT STREETSBORO, OH 44241 | AFLAC | $20 | — | $20 | 0.19% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $18 | — | $18 | 0.17% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $16 | — | $16 | 0.15% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17109 | AFLAC | $16 | — | $16 | 0.15% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DR SINKING SPRING, PA 19608 | AFLAC | $15 | — | $15 | 0.14% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 57754 | AFLAC | $9 | — | $9 | 0.09% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $9 | — | $9 | 0.09% |
| LOUIS J CORADO JR3 | 212 YORK COTTAGE DR HAINES CITY, FL 33844 | AFLAC | $7 | — | $7 | 0.07% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $7 | — | $7 | 0.07% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $6 | — | $6 | 0.06% |
| MARY A BARANSKI3 | 1334 CREEK RD CARLISLE, PA 17015 | AFLAC | $6 | — | $6 | 0.06% |
| MARILYN BRANNEN3 Filed as: MARILYN W BRANNEN | 648 GOLDENVILLE RD GETTYSBURG, PA 17325 | AFLAC | $6 | — | $6 | 0.06% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $6 | — | $6 | 0.06% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $6 | — | $6 | 0.06% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $6 | — | $6 | 0.06% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $6 | — | $6 | 0.06% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $5 | — | $5 | 0.05% |
| STEPHANIE J RITTNER3 | 109 FONTAINE CT MONROE TOWNSHIP, NJ 08831 | AFLAC | $5 | — | $5 | 0.05% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $3 | — | $3 | 0.03% |
| 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 | $0 | — | $0 | 0.00% |
| 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 | $188 | $63 | $251 | 17.89% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15 | $15 | 1.07% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 1.10% |
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 | 794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK INC. | 499 | $4.4M |
| Dental | HIGHMARK INC. | 499 | $4.4M |
| Vision | HIGHMARK INC. | 499 | $4.4M |
| Life insurance(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 794 | $132K |
| Short-term disability | AFLAC | 18 | $11K |
| Long-term disability(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 536 | $48K |
| Prescription drug | HIGHMARK INC. | 499 | $4.4M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 794 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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.
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.