| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | HIGHMARK, INC. | $20K | $0 | $20K | 1.88% |
| STOUDT, DAVID K3 | 280 GRANITE RUN DR STE 250 LANCASTER, PA 17601 | HIGHMARK, INC. | $20K | $0 | $20K | 1.87% |
| DISABILITY RMS5 | PO BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 13.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLP | 772 LITITZ PIKE LITITZ, PA 17543 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 26.81% |
| DISABILITY RMS3 | PO BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 13.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 772 LITITZ PIKE LITITZ, PA 17543 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.37% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 90 | $1.1M |
| Dental | HIGHMARK, INC. | 90 | $1.1M |
| Vision | HIGHMARK, INC. | 90 | $1.1M |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 5 | $38K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 33 | $18K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 137 | $40K |
| Prescription drug | HIGHMARK, INC. | 90 | $1.1M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 5 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.