| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARTHUR J GLATFELTER AGENCY3 | 183 LEADER HEIGHTS ROAD YORK, PA 17405 | AIG LIFE INSURANCE COMPANY | $448 | $0 | $448 | — |
| DAVID WYRWAS3 | 183 LEADER HEIGHTS ROAD YORK, PA 17405 | AIG LIFE INSURANCE COMPANY | $166 | $0 | $166 | — |
| VOLUNTEER FIREMAN'S INSURANCE3 | 183 LEADER HEIGHTS ROAD YORK, PA 17405 | COMBINED INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | — |
| THE GLATFELTER AGENCY INC.3 | 183 LEADER HEIGHTS ROAD YORK, PA 17405 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLACKROCK FUND ADVISORS NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 400 HOWARD STREET SAN FRANCISCO, CA 94105 | $0 |
| HARBOR CAPITAL ADVISORS INC NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 111 S WACKER DR # 1 CHICAGO, IL 60606 | $0 |
| MSCI NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 7 WORLD TRADE CENTER 250 GREENWICH ST NEW YORK, NY 10007 | $0 |
| VANGUARD GROUP, INC. EIN 23-1945930 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AIG LIFE INSURANCE COMPANY | 128 | $0 |
| Other | METLIFE | 1 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.