| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS. ADMINISTRATORS | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 9.98% |
| JOHNATHON R. SEELE3 | 60 BYRON NELSON CIRCLE ETTERS, PA 17319 | AFLAC | $30 | $0 | $30 | 2.44% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C H ROBINSON AND OTHER AGENTS | 4735 NW 53RD AVENUE, SUITE A GAINESVILLE, FL 32653 | AFLAC | $25 | $0 | $25 | 2.03% |
| C A LUPP INC3 Filed as: C A LUPP, INC. | 940 EAST PARK DRIVE, SUITE 300 HARRISBURG, PA 17111 | AFLAC | $19 | $0 | $19 | 1.55% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $11 | $0 | $11 | 0.90% |
| DIANNE L MARTIN3 Filed as: DIANNE L. MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $11 | $0 | $11 | 0.90% |
| DEBRA L CARL3 Filed as: DEBRA L. CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $10 | $0 | $10 | 0.81% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC. | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | AFLAC | $6 | $0 | $6 | 0.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.8M |
| HEALTH EQUITY INC. EIN 52-2383166 FSA CLAIMS | Other services Service code 49 | — | $239K |
| LEGENDS HOLDING LLC EIN 82-3317025 CAPTIVE INSURANCE | Insurance services Service code 23 | — | $44K |
| ECB RX LLC EIN 45-2580354 PRESCRIPTIONS | Insurance services Service code 23 | — | $35K |
| ALIGHT SOLUTIONS EIN 82-1061233 CLAIMS PROCESSING | Claims processing Service code 12 | — | $20K |
| AMERICAN INSURANCE ADMINISTRATORS EIN 25-1691584 BENEFIT SOFTWARE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $17K |
| TELADOC HEALTH INC. EIN 04-3705970 TELEMEDICINE | Insurance services Service code 23 | — | $14K |
| MCKONLY & ASBURY LLC EIN 23-1909723 ACCOUNTING, AUDIT | Accounting (including auditing) Service code 10 | — | $11K |
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 | 466 | 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) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 315 | $190K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 315 | $190K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 466 | $187K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 466 | $186K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 466 | $186K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 331 | $438K |
| Other | HARTFORD LIFE AND ACCIDENT | 466 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.