| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST, STE E400 YORK, PA 17405 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $46K | — | $46K | 3.00% |
| THE GLATFELTER AGENCY INC.3 | SUSQEHANNA COMMERCE CTR E. 4TH FLOO YORK, PA 17405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.76% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.74% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.69% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST, STE E400 YORK, PA 17405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.62% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST, 4TH FLOOR YORK, PA 17401 | VISION BENEFITS OF AMERICA | $420 | — | $420 | 4.36% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST, STE E400 YORK, PA 17405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.02% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST, STE E400 YORK, PA 17405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $323 | — | $323 | 13.77% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 133 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $60K |
| Vision | VISION BENEFITS OF AMERICA | 154 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $17K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 133 | $1.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.