| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 772 LITITZ PIKE LITITZ, PA 17543 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $26K | — | $26K | 0.57% |
| SUSAN R MCSHERRY3 | 123 CHATUGA DR. LOUDON, TN 37774 | AFLAC | $3K | $560 | $4K | 4.18% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | AFLAC | $3K | — | $3K | 3.07% |
| KIMBERLY J SCHUCHART3 | 8 SPRUCE LN. NEW OXFORD, PA 17350 | AFLAC | $1K | $15 | $1K | 1.57% |
| C A LUPP INC3 | 5010 EAST TRINDLE ROAD, SUITE 201 MECAHNICSBURG, PA 17050 | AFLAC | $1K | $134 | $1K | 1.33% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $961 | $134 | $1K | 1.27% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE COURT YORK, PA 17404 | AFLAC | $1K | — | $1K | 1.17% |
| MURRAY INS ASSOC INC3 | 39 N. DUKE ST. LANCASTER, PA 17602 | AFLAC | $441 | — | $441 | 0.51% |
| HARRY S GOOD3 | PO BOX 175 LOGANVILLE, PA 17342 | AFLAC | $318 | — | $318 | 0.37% |
| CHRISTOPHER A LUPP3 | 5010 E. TRINDLE RD., SUITE 201 MECHANICSBURG, PA 17050 | AFLAC | $277 | — | $277 | 0.32% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN. HARRISBURG, PA 17110 | AFLAC | $257 | — | $257 | 0.30% |
| ANTONINA M GREENPLATE3 | 13 ARTHUR HILLS CT. HILTON HEAD ISLAND, SC 29928 | AFLAC | $208 | — | $208 | 0.24% |
| ADAM DANIEL LEVINE3 | 2352 SLATER HILL LANE YORK, PA 17406 | AFLAC | $189 | — | $189 | 0.22% |
| LUCINDA SLAGEL3 Filed as: LUCINDA K SLAGEL | 300 HOLYOKE DR. YORK, PA 17402 | AFLAC | $93 | — | $93 | 0.11% |
| KENNETH L GOOD3 | 230 DANIELLE CT. YORK, PA 17404 | AFLAC | $84 | — | $84 | 0.10% |
| HARRY D WAGNER3 | PO BOX 7247 AUDUBON, PA 19407 | AFLAC | $83 | — | $83 | 0.10% |
| LARRY L NEWMAN3 | PO BOX 785 SUNBURY, PA 17801 | AFLAC | $83 | — | $83 | 0.10% |
| ELAINE S AIKEN3 | 2202 FISHING CREEK RD. WRIGHTSVILLE, PA 17368 | AFLAC | $60 | — | $60 | 0.07% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST. VARICO, FL 33596 | AFLAC | $55 | — | $55 | 0.06% |
| LISA H PERRY3 | 1650 SAND LAKE RD., SUITE 201D ORLANDO, FL 32809 | AFLAC | $45 | — | $45 | 0.05% |
| BONITA REID3 Filed as: BONITA KLINE | 200 TOWNHOUSE RD. SANGERVILLE, ME 04479 | AFLAC | $43 | — | $43 | 0.05% |
| DAVID W RANCK3 Filed as: DAVID R RANCK | 848 E. MAIN ST., SUITE 800 EPHRATA, PA 17522 | AFLAC | $39 | — | $39 | 0.05% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE RD. GETTYSBURG, PA 17325 | AFLAC | $35 | — | $35 | 0.04% |
| RANDALL SIMS3 | 138 DERR DR. COLLEGEVILLE, PA 19426 | AFLAC | $28 | — | $28 | 0.03% |
| JANE N ARTMAN3 | 400 LEE CT. YORK, PA 17406 | AFLAC | $20 | — | $20 | 0.02% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN. DOVER, PA 17315 | AFLAC | $18 | — | $18 | 0.02% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT. FREDERICKSBURG, VA 22407 | AFLAC | $15 | — | $15 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER. HARRISBURG, PA 17112 | AFLAC | $15 | — | $15 | 0.02% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN. WOMELSDORF, PA 19567 | AFLAC | $12 | — | $12 | 0.01% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W. PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $12 | — | $12 | 0.01% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD. SOMERSET, PA 15501 | AFLAC | $12 | — | $12 | 0.01% |
| CYNTHIA L JAY3 | 3768 SE DOUBLETON DR. STUART, FL 34997 | AFLAC | $12 | — | $12 | 0.01% |
| FAITH M BURRIS3 | 251 LONG BEACH DR. HOT SPRINGS, AR 71913 | AFLAC | $6 | — | $6 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN. OAK BROOK, IL 60523 | AFLAC | $6 | — | $6 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST. #3 PHILADELPHIA, PA 19106 | AFLAC | $3 | — | $3 | 0.00% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD. PHILADELPHIA, PA 19125 | AFLAC | $3 | — | $3 | 0.00% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.00% |
| MARTIN E BYSTROM3 | 235 MINORCA BEACH WAY, APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 800 | $4.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 346 | $79K |
| Vision | VISION BENEFITS OF AMERICA | 312 | $24K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 404 | $37K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $55K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $80K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 800 | $4.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 404 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.