| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL I. SHEAFFER INSURANCE AGENCY3 | 3541 OLD PHILADELPHIA PIKE INTERCOURSE, PA 17534 | PRINCIPAL LIFE INSURANCE COMPANY | $77K | — | $77K | 8.41% |
| EMERSON REID LLC3 | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 074071361 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $86 | $25K | 2.72% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DR STE 250 LANCASTER, PA 176016814 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 0.93% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 210301338 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 0.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 N/A | Other services; Plan Administrator; Claims processing Service code 12 | 1280 N PLUM STREET LANCASTER, PA 17601 | $585K |
| AETNA-PPO EIN 06-6033492 N/A | Claims processing; Other services Service code 12 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $265K |
| MULTIPLAN, INC. EIN 13-3068979 N/A | Plan Administrator; Claims processing; Other services Service code 12 | 115 5TH AVE 7 NEW YORK, NY 10003 | $15K |
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 | 1,988 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,988 | $911K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,988 | $911K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,988 | $911K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,988 | $911K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 1,499 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,988 | — |
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."
No prospect flags tripped on this filing.