| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GLATFELTER AGENCY INC.3 Filed as: THE GLATFELTER AGENCY INC | 183 LEADER HEIGHTS ROAD YORK, PA 17402 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $27K | — | $27K | 4.25% |
| THE GLATFELTER AGENCY INC.3 | PO BOX 2926 YORK, PA 17405 | DELTA DENTAL OF PENNSYLVANIA | $562 | — | $562 | 1.85% |
| THE GLATFELTER AGENCY INC.3 Filed as: THE GLATFELTER AGENCY INC | 221 W PHILADELPHIA ST 4TH FL YORK, PA 17405 | VISION BENEFITS OF AMERICA | $440 | — | $440 | 5.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $251 | $251 | 11.30% |
| THE GLATFELTER AGENCY INC.3 Filed as: THE GLATFELTER AGENCY INC | 221 W PHILADELPHIA ST 4TH FL YORK, PA 17405 | MADISON NATIONAL LIFE INSURANCE COMPANY | $159 | $13 | $172 | 7.74% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | MADISON NATIONAL LIFE INSURANCE COMPANY | $107 | $36 | $143 | 6.44% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 89 | $30K |
| Vision | VISION BENEFITS OF AMERICA | 79 | $9K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 124 | $2K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 88 | $636K |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 124 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.