| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SLOAD, CHAD W3 | 39 N DUKE ST LANCASTER, PA 17538 | HIGHMARK INC. | $36K | $0 | $36K | 1.90% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | HIGHMARK INC. | $34K | $0 | $34K | 1.79% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC. | 454 NEW HOLLAND AVE STE 300 LANCASTER, PA 17602 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $16K | 9.03% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $19 | $4K | 3.14% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC. | PO BOX 1728 LANCASTER, PA 17608 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.92% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $576 | $576 | 0.48% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 176 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 522 | $121K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $173K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $173K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $173K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $173K |
| Prescription drug | HIGHMARK INC. | 176 | $1.9M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
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.