| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INS ASSOC INC3 Filed as: MURRAY INS. ASSOC. INC. | 454 NEW HOLLAND AVE, SUITE 300 LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $685 | $7K | 6.69% |
| J D LUEDTKE INC3 Filed as: JD LUEDTKE INC | 313 4TH ST HANOVER, PA 17331 | AFLAC | $2K | $6 | $2K | 6.19% |
| MURRAY INS ASSOC INC3 Filed as: MURRAY INS. ASSOC. INC. | 34 N DUKE ST LANCASTER, PA 17602 | AFLAC | $2K | $0 | $2K | 5.95% |
| MICHAEL BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $1K | $10 | $1K | 3.81% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOC. INC. | 4623 NW 53RD AVE STE 1A GAINSVILLE, FL 32653 | AFLAC | $632 | $0 | $632 | 1.77% |
| ANTHONY ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $626 | $6 | $632 | 1.77% |
| DAVID W BRANDT3 Filed as: DAVID BRANDT | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $241 | $0 | $241 | 0.68% |
| BRANDT INC3 | 311 EXPRESSO WAY YORK, PA 17406 | AFLAC | $151 | $0 | $151 | 0.42% |
| RYAN ECKENRODE3 | 3601 W MARKET ST, APT 1 YORK, PA 17404 | AFLAC | $72 | $13 | $85 | 0.24% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $67 | $0 | $67 | 0.19% |
| BONITA REID3 | 463 NEW DORWART ST LANCASTER, PA 17603 | AFLAC | $65 | $0 | $65 | 0.18% |
| CHRIS H ROBINSON3 Filed as: CHRIS ROBINSON | 4623 NEW 53RD AVE ST 1A GAINSVILLE, FL 32653 | AFLAC | $54 | $0 | $54 | 0.15% |
| ROBERT WERTZ3 Filed as: ROBERT SCHARADIN JR | 1919 MAPLEWOOD DR CARLISLE, PA 17013 | AFLAC | $46 | $0 | $46 | 0.13% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $46 | $0 | $46 | 0.13% |
| TIMOTHY MILLER3 | 604 HARVEST DR DALLASTOWN, PA 17313 | AFLAC | $39 | $0 | $39 | 0.11% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $32 | $0 | $32 | 0.09% |
| CHARLES SAULSBERY3 | PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $29 | $0 | $29 | 0.08% |
| CINDY SAULSBERT3 | 1601 MILLTOWN RD SU 8 PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $27 | $0 | $27 | 0.08% |
| MELYNDA S HASSELBACH3 Filed as: MELYNDA HASSELBACH | 53 BLUE ROCK RD MILLERSVILLE, PA 17551 | AFLAC | $27 | $0 | $27 | 0.08% |
| JASON E FERGER3 Filed as: JASON FERFER | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $22 | $0 | $22 | 0.06% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $20 | $0 | $20 | 0.06% |
| BERNARD J NICHOLS3 Filed as: BERNARD NICHOLS | 247 BLACK OAK DR LANCATER, PA 17602 | AFLAC | $20 | $0 | $20 | 0.06% |
| CHRIS WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $13 | $0 | $13 | 0.04% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17103 | AFLAC | $9 | $0 | $9 | 0.03% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $6 | $0 | $6 | 0.02% |
| CAROL PERRY3 | 19 MANOR OAKS DR MILLERSVILLE, PA 17551 | AFLAC | $5 | $0 | $5 | 0.01% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBUG, PA 17112 | AFLAC | $5 | $0 | $5 | 0.01% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 833 NORTH PARK RD SUITE 220 READING, PA 19610 | AFLAC | $4 | $0 | $4 | 0.01% |
| DAVID W RANCK3 Filed as: DAVID RANCK | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $4 | $0 | $4 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | $0 | $3 | 0.01% |
| RYAN GOLDBERG0 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $3 | $0 | $3 | 0.01% |
| DANIEL R JUDY0 Filed as: DANIEL JUDY | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $2 | $0 | $2 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 33 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $2 | $0 | $2 | 0.01% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DR CATAULA, GA 31804 | AFLAC | $1 | $0 | $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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $99K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $99K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $99K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.