| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $36 | $21K | 11.79% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 5.49% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.92% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.79% |
| MARILYN BRANNEN3 Filed as: MARILYN W BRANNEN | 648 GOLDENVILLE RD GETTYSBURG, PA 17325 | AFLAC | $15K | $1K | $16K | 11.10% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE CT MECHANICSBURG, PA 17050 | AFLAC | $5K | $229 | $5K | 3.51% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $3K | $229 | $3K | 2.09% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $673 | $0 | $673 | 0.48% |
| CYNTHIA L JAY3 | 3768 SE DOUBLETON DR STUART, FL 34997 | AFLAC | $380 | $0 | $380 | 0.27% |
| DAVID C SWEIGARD3 | 2575 PELLICER RD LOT A SAINT AUGUSTINE, FL 32092 | AFLAC | $261 | $0 | $261 | 0.18% |
| KENNETH L GOOD3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $229 | $0 | $229 | 0.16% |
| RANDALL D NAFTAL3 | 1027 SOUTH ST POTTSTOWN, PA 19464 | AFLAC | $138 | $0 | $138 | 0.10% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $101 | $0 | $101 | 0.07% |
| MATTHEW G BERGER3 | 10 UNION AVE APT 302 BALA CYNWYD, PA 19004 | AFLAC | $99 | $0 | $99 | 0.07% |
| ROBERT A ANDERSON3 Filed as: ROBERT ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $76 | $0 | $76 | 0.05% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $50 | $0 | $50 | 0.04% |
| DANIEL L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $49 | $0 | $49 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $40 | $0 | $40 | 0.03% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $28 | $0 | $28 | 0.02% |
| BONITA REID3 Filed as: BONITA KLINE | 200 TOWNHOUSE RD SANGERVILLE, ME 04479 | AFLAC | $26 | $0 | $26 | 0.02% |
| GAIL I HOLTZINGER3 Filed as: GAIL T HOLTZINGER | 427 S 2ND ST WRIGHTSVILLE, PA 17368 | AFLAC | $23 | $0 | $23 | 0.02% |
| CHRISTOPHER A LUPP3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $21 | $0 | $21 | 0.01% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $19 | $0 | $19 | 0.01% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $18 | $0 | $18 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $16 | $0 | $16 | 0.01% |
| JULIA PACKMAN-FOLEY3 | 404 DAVID DR CAMP HILL, PA 17011 | AFLAC | $16 | $0 | $16 | 0.01% |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRL BANNERK ELK, NC 28604 | AFLAC | $12 | $0 | $12 | 0.01% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $10 | $0 | $10 | 0.01% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $6 | $0 | $6 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $36 | $3K | 15.57% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $713 | $286 | $999 | 5.39% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $713 | $713 | 3.84% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $143 | $143 | 0.77% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $36 | $3K | 15.83% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $702 | $281 | $983 | 5.47% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $702 | $702 | 3.91% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $140 | $140 | 0.78% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $36 | $2K | 15.52% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $571 | $228 | $799 | 5.34% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $571 | $571 | 3.82% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $114 | $114 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $2.3M |
| AP BENEFIT ADVISORS BROKER | Insurance agents and brokers Service code 22 | 772 LITITZ PIKE LITITZ, PA 17543 | $104K |
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 | 432 | 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) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 86 | $34K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $175K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $175K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $175K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $175K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 220 | $576K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.