| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GLATFELTER AGENCY INC.3 | 183 LEADER HEIGHTS ROAD YORK, PA 17402 | KEYSTONE HEALTH PLAN CENTRAL | $37K | — | $37K | 3.63% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST STE 400E YORK, PA 17401 | AMERITAS LIFE INSURANCE CORP | $662 | — | $662 | 2.32% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST, STE E400 YORK, PA 17405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.87% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST, 4TH FL YORK, PA 17401 | VISION BENEFITS OF AMERICA | $591 | — | $591 | 5.64% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST, STE E400 YORK, PA 17405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.00% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST, STE E400 YORK, PA 17405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $324 | — | $324 | 15.01% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 437 | $29K |
| Vision | VISION BENEFITS OF AMERICA | 197 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $16K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 148 | $218K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.