| 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 | $3K | — | $3K | 3.69% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 1041 OLD CASSATT RD BERWYN, PA 19312 | HIGHMARK INC | $944 | — | $944 | 1.16% |
| J D LUEDTKE INC3 | 1140 WALTER ST YORK, PA 17408 | AFLAC | $2K | — | $2K | 6.05% |
| MURRAY INS ASSOC INC3 | 39 N DUKE ST LANCASTER, PA 17602 | AFLAC | $650 | — | $650 | 2.23% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $375 | — | $375 | 1.29% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $186 | — | $186 | 0.64% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $163 | — | $163 | 0.56% |
| JOHN LUEDTKE3 | 1140 WALTER ST YORK, PA 17408 | AFLAC | $46 | — | $46 | 0.16% |
| DAVID W BRANDT3 | 6908 FOX CHASE RD NEW MARKET, MD 21774 | AFLAC | $38 | — | $38 | 0.13% |
| BONITA REID3 Filed as: BONITA KLINE | 200 TOWNHOUSE RD SANGERVILLE, ME 04479 | AFLAC | $35 | — | $35 | 0.12% |
| MICHELLE L THOMAS BRANDT3 | 1135 PLEASANT GROVE RD RED LION, PA 17356 | AFLAC | $32 | — | $32 | 0.11% |
| TIMOTHY E MILLER3 | 604 HARVEST DR DALLASTOWN, PA 17313 | AFLAC | $19 | — | $19 | 0.07% |
| RYAN ECKENRODE3 | 3601 W MARKET ST APT 1 YORK, PA 17404 | AFLAC | $16 | — | $16 | 0.05% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17109 | AFLAC | $14 | — | $14 | 0.05% |
| CHRIS H ROBINSON3 | 34 BENTON CIR BLUFFTON, SC 29910 | AFLAC | $13 | — | $13 | 0.04% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $10 | — | $10 | 0.03% |
| ANDREA LYNN BENNETT3 | PO BOX 1 PILLOW, PA 17080 | AFLAC | $9 | — | $9 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.02% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.01% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $3 | — | $3 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | — | $3 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | — | $3 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST # 3 PHILADELPHIA, PA 19106 | AFLAC | $3 | — | $3 | 0.01% |
| STANLEY HAROLD GREENE3 | 2443 NEWTOWN DR HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $2 | — | $2 | 0.01% |
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 |
|---|---|---|---|
| Dental | HIGHMARK INC | 201 | $81K |
| Vision | HIGHMARK INC | 201 | $81K |
| Life insurance | AFLAC | 21 | $29K |
| Short-term disability | AFLAC | 21 | $29K |
| Other | AFLAC | 21 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.