The amount added changes at every step, because the rule adds the current index rather than a fixed number.
a2=5+2=7,a3=7+3=10,a4=10+4=14
One more rung, adding 5 this time.
a5=14+5=19
Stopping at a4 leaves you one rung short, at 14. The other two traps come from adding the wrong indices. The rule first fires at n=2, so the numbers added are 2,3,4,5; adding 1,2,3,4 instead gives 5+10=15, and adding 1,2,3,4,5 (one application too many) gives 5+15=20.