| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELES ENTERPRISES INC3 | P.O. BOX 445 RIEGELSVILLE, PA 18077 | METROLOLITIAN LIFE INSURANCE CO | $14K | — | $14K | 6.75% |
| WILSON H TRANSUE3 Filed as: WILSON TRANSUE | 1487 SULLIVAN TRL TANNERSVILLE, PA 18372 | AFLAC | $2K | $116 | $2K | 9.80% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 08059 | AFLAC | $373 | $23 | $396 | 2.14% |
| LISA A BROMAGE3 Filed as: LISA BROMAGE | 157 SPRING STREET SCRANTON, PA 18508 | AFLAC | $164 | — | $164 | 0.89% |
| JEFFREY CHUBB3 | 520 WEST 4TH ST SUITE 1A WILLIAMSPORT, PA 17701 | AFLAC | $131 | $23 | $154 | 0.83% |
| FRED A REEDER3 Filed as: FRED REEDER | 380 EAST MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $101 | — | $101 | 0.55% |
| MG BERGER INC3 | 1020 N DELAWARE AVE, 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $56 | $23 | $79 | 0.43% |
| JOHN TUSETH3 | 5821 LOWRY DRIVE NW ROCHESTER, MN 55901 | AFLAC | $78 | — | $78 | 0.42% |
| SHARON R GRANT3 | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $69 | — | $69 | 0.37% |
| C A LUPP INC3 | 441 FRIENDSHIP RD SUITE 102 HARRISBURG, PA 17111 | AFLAC | $41 | — | $41 | 0.22% |
| WILLIAM M KNOTT3 Filed as: WILLIAM KNOTT | 35606 GREEN FOREST DR EUSTIS, FL 32746 | AFLAC | $34 | — | $34 | 0.18% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $27 | — | $27 | 0.15% |
| JOSEPH G GRABLICK3 Filed as: JOSEPH GRABLICK | 716 SUSQUEHANNA AVE WYOMING, PA 18644 | AFLAC | $26 | — | $26 | 0.14% |
| CHRISTOPHER BORNEISEN3 | 20 E JACKSON ST MCADOO, PA 18237 | AFLAC | $25 | — | $25 | 0.14% |
| DIVERSIFIED SOLUTIONS GROUP INC3 | P.O. BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $16 | — | $16 | 0.09% |
| BILLY M CRAIN3 | 97 PICKERING ST SUITE 301 BROOKVILLE, PA 15825 | AFLAC | $12 | — | $12 | 0.06% |
| MARTHA G ALLEN3 | 412 WASHINGTON STREET NEW BETHLEHEM, PA 16242 | AFLAC | $12 | — | $12 | 0.06% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $11 | — | $11 | 0.06% |
| STEVEN R KARAS3 | 29 CRAFTS ST STE 550 NEWTON, MA 02458 | AFLAC | $10 | — | $10 | 0.05% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $8 | — | $8 | 0.04% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $8 | — | $8 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLPOWER INC EIN 22-3530108 NONE | Claims processing Service code 12 | — | $24K |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FPH- HMO OF NORTHEASTERN PA | 166 | $1.5M |
| Dental | METROLOLITIAN LIFE INSURANCE CO | 470 | $207K |
| Vision | HIGHMARK BLUE SHIELD | 342 | $15K |
| Life insurance(2 contracts, 2 carriers) | METROLOLITIAN LIFE INSURANCE CO | 470 | $226K |
| Short-term disability | METROLOLITIAN LIFE INSURANCE CO | 470 | $207K |
| Long-term disability | METROLOLITIAN LIFE INSURANCE CO | 470 | $207K |
| Other(2 contracts, 2 carriers) | METROLOLITIAN LIFE INSURANCE CO | 470 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.