| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203417 DALLAS, TX 75320 | DELTA DENTAL OF NORTH CAROLINA | $11K | — | $11K | 9.60% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203501 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.13% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $786 | $786 | 1.24% |
| ROBERT R FRIEDMAN3 Filed as: ROBERT R. FRIEDMAN | 5095 CORNERSTONE ROAD WESCOSVILLE, PA 18106 | AFLAC | $122 | — | $122 | 3.98% |
| LYNNE M HARTMAN3 Filed as: LYNNE M. HARTMAN | 1841 LINCOLN AVENUE WYOMISSING, PA 19610 | AFLAC | $66 | — | $66 | 2.15% |
| MAUREEN SUSAN FRIEDMAN3 | 5095 CORNERSTONE ROAD WESCOSVILLE, PA 18106 | AFLAC | $41 | — | $41 | 1.34% |
| PAMELA SPECHT3 | 1800 EAST HIGH STREET, SUITE 210 POTTSTOWN, PA 19464 | AFLAC | $37 | — | $37 | 1.21% |
| JOHN B LACARIA3 | 102 JENNIFER LANE BRIDGEPORT, WV 26330 | AFLAC | $32 | — | $32 | 1.04% |
| MJ INSURANCE3 Filed as: MARK D. BARBIER AND VARIOUS AGENTS | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $21 | — | $21 | 0.68% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $17 | — | $17 | 0.55% |
No Schedule C service providers reported on this filing.
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 257 | $115K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 219 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $63K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.