| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | HIGHMARK INC | $19K | $0 | $19K | 9.90% |
| MMA DISTRIBUTION3 | 1110 N MAIN ST GOSHEN, IN 46527 | ALLSTATE BENEFITS | $3K | $0 | $3K | 23.01% |
| WHITEMAN MICHAEL3 | 2160 LINCOLN HWY E LANCASTER, PA 17602 | ALLSTATE BENEFITS | $323 | $0 | $323 | 2.31% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ALLSTATE BENEFITS | $0 | $37 | $37 | 0.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $1K | $86 | $1K | 27.27% |
| MMA DISTRIBUTION3 | 1110 N MAIN ST PO BOX 483 GOSHEN, IN 46527 | ALLSTATE BENEFITS | $739 | $0 | $739 | 37.94% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ALLSTATE BENEFITS | $0 | $8 | $8 | 0.41% |
| IMMA DISTRIBUTION3 | 1110 N MAIN ST PO BOX 483 GOSHEN, IN 46527 | ALLSTATE BENEFITS | $386 | $0 | $386 | 32.82% |
| WHITEMAN MICHAEL3 | 2160 LINCOLN HWY E LANCASTER, PA 17602 | ALLSTATE BENEFITS | $24 | $0 | $24 | 2.04% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ALLSTATE BENEFITS | $0 | $5 | $5 | 0.43% |
| MMA DISTRIBUTION3 | 1110 N MAIN ST GOSHEN, IN 46527 | ALLSTATE BENEFITS | $118 | $0 | $118 | 11.65% |
| WHITEMAN MICHAEL3 | 2160 LINCOLN HWY E LANCASTER, PA 17602 | ALLSTATE BENEFITS | $3 | $0 | $3 | 0.30% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ALLSTATE BENEFITS | $0 | $2 | $2 | 2.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 CARRIER | Claims processing Service code 12 | — | $28K |
| LR WEBBER EIN 25-1301205 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| STOUDT ADVISORS BROKER | Insurance agents and brokers Service code 22 | 280 GRANITE RUN DR LANCASTER, PA 17601 | $21K |
| ASSURED PARTNERS EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC | 269 | $195K |
| Vision | HIGHMARK INC | 269 | $195K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 321 | $6K |
| Short-term disability | ALLSTATE BENEFITS | 25 | $14K |
| Long-term disability | ALLSTATE BENEFITS | 25 | $14K |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH | 270 | $142K |
| Other(5 contracts, 3 carriers) | WELLSPAN HEALTH | 321 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.