| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EJO III INC3 Filed as: EJO III, INC. | 55 WETZEL DRIVE HANOVER, PA 17331 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $81K | — | $81K | 13.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 3.15% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | PRINCIPLE LIFE INSURANCE COMPANY | $7K | — | $7K | 4.73% |
| AP BENEFIT ADVISOR LLC DBA CA WEBER3 | 55 WETZEL DRIVE STE 2 HANOVER, PA 17331 | PRINCIPLE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.96% |
| EJO III INC3 Filed as: EJO III, INC. | 55 WETZEL DRIVE STE 2 HANOVER, PA 17331 | PRINCIPLE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.85% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPLE LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $611K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $611K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $611K |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 259 | $140K |
| Short-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 259 | $140K |
| Long-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 259 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.