| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL I. SHEAFFER INSURANCE AGENCY3 Filed as: PAUL I SHEAFFER INS AGENCY INC | 3541 OLD PHILADELPHIA PK INTERCOURSE, PA 175340449 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.56% |
| EMERSON REID LLC3 | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 074071361 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $261 | $3K | 2.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DR STE 250 LANCASTER, PA 176016814 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.11% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1170 WILSON HALL RD SUMTER, SC 291501831 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 N/A | Plan Administrator; Claims processing; Other services Service code 12 | 1280 N PLUM STREET LANCASTER, PA 17601 | $35K |
| AETNA-PPO EIN 06-6033492 N/A | Other services; Claims processing Service code 12 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $20K |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $99K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $99K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $99K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $99K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 121 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.