Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Ap Benefit Advisors, LLC OtherLifeLTD | OtherLifeLTD | |
Vision | Vision | |
Health | Health |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 8 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 115 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,474 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 3,917 | $201K |
| Vision | VISION SERVICE PLAN | 2,524 | $344K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,313 | $555K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,308 | $509K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,313 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,917 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: The Lincoln National Life Insurance Company | |
Carrier: The Lincoln National Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 MED/RX ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $1.5M |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 COBRA/FSA/ BENEFIT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $210K |
| SEDGWICK CLAIMS MANAGEMENT SERVICES EIN 36-2685608 STD ASO | Claims processing; Contract Administrator Service code 12 | — | $202K |
| CVS PHARMACY, INC. EIN 05-0340626 RX FEES | Claims processing; Contract Administrator Service code 12 | — | $198K |
| UNITED CONCORDIA EIN 25-1687586 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $192K |
| FEI BEHAVIORAL HEALTH DBA ALLONE HE EAP | Claims processing; Contract Administrator Service code 12 | 100 N PENNSYLVANIA AVENUE WILKES-BARRE, PA 18701 | $72K |
| BDO USA, P.C. EIN 13-5381590 AUDITOR/ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $46K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
4 contacts
Phone and email for the actuary are on Pro.
11 filings · 2015 to 2025