| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK INC | $7K | — | $7K | 9.48% |
| J D LUEDTKE INC3 | 1140 WALTER ST YORK, PA 17408 | AFLAC | $1K | — | $1K | 4.84% |
| MURRAY INS ASSOC INC3 | 39 N DUKE ST LANCASTER, PA 17602 | AFLAC | $399 | — | $399 | 1.90% |
| ANTHONY S ALMODOVAR3 | 800 CORPORATE CIR STE 103 HARRISBURG, PA 17110 | AFLAC | $241 | — | $241 | 1.15% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $118 | — | $118 | 0.56% |
| CHRIS H ROBINSON3 Filed as: CHRIS ROBINSON | 34 BENTON CIR BLUFFTON, SC 29910 | AFLAC | $76 | — | $76 | 0.36% |
| JOHN LUEDTKE3 | 1140 WALTER ST YORK, PA 17408 | AFLAC | $59 | — | $59 | 0.28% |
| MICHELLE L THOMAS BRANDT3 Filed as: MICHELLE THOMAS BRANDT | 1135 PLEASANT GROVE RD RED LION, PA 17356 | AFLAC | $26 | — | $26 | 0.12% |
| DAVID W BRANDT3 Filed as: DAVID BRANDT | 6908 FOX CHASE RD NEW MARKET, MD 21774 | AFLAC | $25 | — | $25 | 0.12% |
| TIMOTHY MILLER3 | 604 HARVEST DR DALLASTOWN, PA 17313 | AFLAC | $19 | — | $19 | 0.09% |
| BONITA REID3 Filed as: BONITA KLINE | 200 TOWNHOUSE RD SANGERVILLE, ME 04479 | AFLAC | $6 | — | $6 | 0.03% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 10 UNION AVE APT 302 BALA CYNWYD, PA 19004 | AFLAC | $3 | — | $3 | 0.01% |
| STANLEY HAROLD GREENE3 Filed as: STANLEY GREENE | 2443 NEWTOWN DR HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.01% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $2 | — | $2 | 0.01% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17109 | AFLAC | $2 | — | $2 | 0.01% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $2 | — | $2 | 0.01% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $2 | — | $2 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN GOLDBERG3 | 103 CHURCH ST # 3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.00% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 805 BUTLER DR MIDDLETOW, PA 17057 | AFLAC | $1 | — | $1 | 0.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $109 | $2K | 18.89% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $817 | $32 | $849 | 12.06% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $194 | $70 | $264 | 3.75% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $61 | $1K | 21.52% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $721 | $28 | $749 | 12.58% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $919 | $35 | $954 | 18.52% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $59 | $73 | $132 | 2.56% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 60 | $13K |
| Dental | HIGHMARK INC | 177 | $77K |
| Vision | HIGHMARK INC | 177 | $77K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 47 | $30K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 15 | $26K |
| Other(5 contracts, 2 carriers) | AFLAC | 60 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.