| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $9K | $9K | 6.46% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 1.79% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 175437314 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $16 | $3K | 3.49% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.38% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | HEARTLAND | $803 | — | $803 | 5.00% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17102 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $923 | — | $923 | 15.00% |
| EMERSON REID LLC3 | 320 SENTRY PARKWAY WEST STE 16 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $524 | $524 | 8.52% |
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 | 355 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $97K |
| Vision | HEARTLAND | 324 | $16K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 259 | $6K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 262 | $139K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 262 | $139K |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 262 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.