| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREAM PARKWAYS SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 9.50% |
| R WILLIAM BOOK3 | 600J EDEN ROAD SUITE 5 LANCASTER, PA 17601 | MADISON NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.47% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07470 | MADISON NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| R WILLIAM BOOK3 | 600J EDEN ROAD SUITE 5 LANCASTER, PA 17601 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 13.28% |
| R WILLIAM BOOK3 | 600J EDEN ROAD SUITE 5 LANCASTER, PA 17601 | KANSAS CITY LIFE INSURANCE CO | $3K | — | $3K | 10.94% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREEM PARKWAY SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE CO | — | $1K | $1K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | KANSAS CITY LIFE INSURANCE CO | $460 | — | $460 | 2.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 772 LITITZ PIKE LITITZ, PA 17543 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $48K | — | $48K | 562.24% |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 308 | $9K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 309 | $41K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 308 | $9K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 267 | $125K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 267 | $125K |
| Long-term disability | KANSAS CITY LIFE INSURANCE CO | 114 | $23K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 308 | $9K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 212 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.