| 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 | $20K | — | $20K | 2.50% |
| THE GLATFELTER AGENCY INC.3 Filed as: THE GLATFELTER AGENCY, INC. | 221 W PHILADELPHIA ST. 4TH FLOOR YORK, PA 17401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.08% |
| MWL3 | PO BOX 14067 JACKSON, MS 392364067 | AMFIRST INSURANCE COMPANY | $2K | — | $2K | 3.01% |
| THE GLATFELTER AGENCY INC.3 Filed as: THE GLATFELTER AGENCY, INC. | 221 W PHILADELPHIA ST. 4TH FLOOR YORK, PA 17401 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 7.01% |
| THE GLATFELTER AGENCY INC.3 Filed as: THE GLATFELTER AGENCY, INC. | 221 W PHILADELPHIA ST. 4TH FLOOR YORK, PA 17401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.55% |
| THE GLATFELTER AGENCY INC.3 Filed as: THE GLATFELTER AGENCY, INC. | 221 W PHILADELPHIA ST. 4TH FLOOR YORK, PA 17401 | VISION BENEFITS OF AMERICA | $372 | — | $372 | 3.50% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 126 | $885K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 3 | $46K |
| Vision | VISION BENEFITS OF AMERICA | 158 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $79K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 126 | $815K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.