| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $562 | — | $562 | 0.46% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $647 | — | $647 | 0.54% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $579 | — | $579 | 3.28% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $231 | — | $231 | 2.07% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $331 | — | $331 | 3.04% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $196 | — | $196 | 2.17% |
| ROBERT SHEESLEY4 | 31 ORCHARD FARM RD YORK, ME 03909 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $313 | — | $313 | 10.05% |
| KENNETH HART4 | APT C 300 VAIRO BLVD STATE COLLEGE, PA 16803 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $179 | — | $179 | 5.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $216K |
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 | 533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 92 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 371 | $254K |
| Vision | VISION BENEFITS OF AMERICA | 202 | $27K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 449 | $123K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 533 | $119K |
| Other(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 449 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.