| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | HIGHMARK INC. | $91K | — | $91K | 3.50% |
| DAVID SPANGLER JR.4 | 31 MARIE DR. QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 45.03% |
| AP BENEFIT ADVISORS, LLC4 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $351 | — | $351 | 8.95% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 207 | $2.6M |
| Dental | HIGHMARK INC. | 207 | $2.6M |
| Vision | HIGHMARK INC. | 207 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $36K |
| Prescription drug | HIGHMARK INC. | 207 | $2.6M |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 473 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.