| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PK LITITZ, PA 17543 | HIGHMARK INC | $8K | $0 | $8K | 8.69% |
| J D LUEDTKE INC3 | 1140 WALTER ST YORK, PA 17408 | AFLAC | $4K | $56 | $4K | 12.08% |
| MURRAY INS ASSOC INC3 | 39 N DUKE ST LANCASTER, PA 17602 | AFLAC | $2K | $0 | $2K | 5.00% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $597 | $13 | $610 | 1.84% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $231 | $0 | $231 | 0.70% |
| JOHN LUEDTKE3 | 1140 WALTER ST YORK, PA 17408 | AFLAC | $120 | $0 | $120 | 0.36% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOCIATES INC | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $115 | $0 | $115 | 0.35% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $80 | $0 | $80 | 0.24% |
| DAVID W BRANDT3 | 6908 FOX CHASE RD NEW MARKET, MD 21774 | AFLAC | $49 | $0 | $49 | 0.15% |
| BONITA REID3 Filed as: BONITA KLINE | 200 TOWNHOUSE RD SANGERVILLE, ME 04479 | AFLAC | $35 | $0 | $35 | 0.11% |
| MICHELLE L THOMAS BRANDT3 | 1135 PLEASANT GROVE RD RED LION, PA 17356 | AFLAC | $35 | $0 | $35 | 0.11% |
| ANDREA LYNN BENNETT3 | PO BOX 1 PILLOW, PA 17080 | AFLAC | $19 | $0 | $19 | 0.06% |
| TIMOTHY E MILLER3 | 604 HARVEST DR DALLASTOWN, PA 17313 | AFLAC | $19 | $0 | $19 | 0.06% |
| RYAN ECKENRODE3 | 3601 W MARKET ST APT 1 YORK, PA 17404 | AFLAC | $16 | $0 | $16 | 0.05% |
| CHRIS H ROBINSON3 Filed as: CHRIS ROBINSON | 34 BENTON CIR BLUFFTON, SC 29910 | AFLAC | $15 | $0 | $15 | 0.05% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17109 | AFLAC | $14 | $0 | $14 | 0.04% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $11 | $0 | $11 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | $0 | $5 | 0.02% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $4 | $0 | $4 | 0.01% |
| BRANDT INC3 | 360 LOUCKS RD STE 305 YORK, PA 17404 | AFLAC | $3 | $0 | $3 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | $0 | $3 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | $0 | $3 | 0.01% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | $0 | $3 | 0.01% |
| STANLEY HAROLD GREENE3 | 2443 NEWTOWN DR HARRISBURG, PA 17110 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $2 | $0 | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| MURRAY SECURUS BROKER | Insurance agents and brokers Service code 22 | 39 N DUKE STREET LANCASTER, PA 17602 | $18K |
| LR WEBBER EIN 25-1301205 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
| ASSURED PARTNERS EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| HIGHMARK BLUE SHIELD CENTRAL EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $0 |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC | 112 | $93K |
| Vision | HIGHMARK INC | 112 | $93K |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH- UNIMERICA | 136 | $497K |
| Other | AFLAC | 30 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.