| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | HIGHMARK, INC. | $1K | $0 | $1K | 5.91% |
| STOUDT, DAVID K3 | 280 GRANITE RUN DRIVE SUITE 250 LANCASTER, PA 17601 | HIGHMARK, INC. | $961 | $0 | $961 | 5.25% |
| DAVID A TALMAS3 Filed as: DAVID STOUDT | 772 LITITZ PIKE LITITZ, PA 17543 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $301 | $0 | $301 | 11.02% |
| JENIFER NEELY3 | PO BOX 774134 HARRISBURG, PA 17177 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $135 | $0 | $135 | 4.94% |
| DAVID A TALMAS3 Filed as: DAVID STOUDT | 772 LITITZ PIKE LITITZ, PA 17543 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190 | $0 | $190 | 11.00% |
| JENIFER NEELY3 | PO BOX 774134 HARRISBURG, PA 17177 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $86 | $0 | $86 | 4.98% |
| DAVID A TALMAS3 Filed as: DAVID STOUDT | 772 LITITZ PIKE LITITZ, PA 17543 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25 | $0 | $25 | 11.63% |
| JENIFER NEELY3 | PO BOX 774134 HARRISBURG, PA 17177 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12 | $0 | $12 | 5.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED PARTNERS (CENTRAL PA) EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 43 | 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) | 43 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK, INC. | 26 | $18K |
| Vision | HIGHMARK, INC. | 26 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $2K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 43 | $148K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $215 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.