| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON, ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 1.03% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST YORK, PA 17401 | AETNA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.24% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 14.83% |
| GEESEY/GLATFELTER/ZAR AGY INC3 Filed as: GEESEY GLATFELTER ZAR AGCY INC | 183 LEADERS HEIGHTS RD YORK, PA 17405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 19.17% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 14.62% |
| LANCE A BRADLEY3 | 2025 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $169 | $4K | 11.00% |
| JACOB DANIEL HERR3 | 111 STONE HILL RD CONESTOGA, PA 17516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.91% |
| PETRINA SKILES3 | 2028 MOUNT VERNON CIR LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $420 | $2K | 4.55% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LN BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 0.65% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST STE E400 YORK, PA 17405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.67% |
| 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 | 183 LEADER HEIGHTS ROAD YORK, PA 17402 | VISION BENEFITS OF AMERICA | $440 | — | $440 | 6.73% |
| THE GLATFELTER AGENCY INC.3 | 221 W PHILADLEPHIA ST STE E400 YORK, PA 17405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $334 | — | $334 | 14.99% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 93 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $52K |
| Vision | VISION BENEFITS OF AMERICA | 123 | $7K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 151 | $47K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 35 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $16K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 93 | $1.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.