| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRAIGE HOUSE INSURANCE INC3 | 404 WASHINGTON STREET HUNTINGDON, PA 16652 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 3.34% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $529 | $15 | $544 | 3.68% |
| ASHLY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | $30 | $400 | 2.70% |
| T NASH SKILES INC3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $135 | $346 | 2.34% |
| MARK D ELCOCK3 | 227 1/2 DUQUESNE AVE TRAFFORD, PA 15085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.49% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $7 | $43 | 0.29% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.22% |
| ELSIE M FAIRCHILD3 | 1574 LITITZ PIKE LANCASTER, PA 176016511 | AMERITAS LIFE INSURANCE CORP. | $355 | $0 | $355 | 6.02% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 176016511 | AMERITAS LIFE INSURANCE CORP. | $355 | $0 | $355 | 6.02% |
| MELISSA R FEATHER3 | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $164 | $0 | $164 | 3.30% |
| JONATHAN D FEATHER3 | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $97 | $0 | $97 | 1.95% |
| JENNIFER ROBIN HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PR 16602 | AFLAC | $46 | $0 | $46 | 0.93% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $34 | $0 | $34 | 0.68% |
| VICKI J VELTRI3 | 1175 BALKAN DR PITTSBURGH, PA 15239 | AFLAC | $24 | $0 | $24 | 0.48% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DR, SUITE 11 ALTOONA, PA 16602 | AFLAC | $24 | $0 | $24 | 0.48% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $19 | $0 | $19 | 0.38% |
| LEE ANN M. KLINE3 Filed as: LEE ANN M KLINE | 708 WOODLAND DRIVE PITTSBURGH, PA 15238 | AFLAC | $16 | $0 | $16 | 0.32% |
| KIMMON R GUSEMAN3 Filed as: KIMMON R GUSMAN | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | AFLAC | $14 | $0 | $14 | 0.28% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $11 | $0 | $11 | 0.22% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY, PA 16066 | AFLAC | $10 | $0 | $10 | 0.20% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 N HUNTIGNDON, PA 15642 | AFLAC | $6 | $0 | $6 | 0.12% |
| GAILE F DELBAUGH3 | PO BOC 83 MT. GRETNA, PA 17064 | AFLAC | $5 | $0 | $5 | 0.10% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $3 | $0 | $3 | 0.06% |
| TERESA L FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | AFLAC | $3 | $0 | $3 | 0.06% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $1 | $0 | $1 | 0.02% |
| THE TORRES GROUP LLC3 Filed as: THE TORRES GROUP | 1750 FARMINGTON CIRCLE WELLINGTON, TN 37919 | AFLAC | $1 | $0 | $1 | 0.02% |
| JOY GRUBE PADGELEK3 Filed as: JOY PADGELEK | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $1 | $0 | $1 | 0.02% |
| JAMES BRANDT3 | 47 MARVIN ST. PORT MATILDA, PA 16870 | AFLAC | $0 | $0 | $0 | 0.00% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUILAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $0 | $0 | $0 | 0.00% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 833 NORTH PARK RD SUITE 220 READING, PA 19610 | AFLAC | $0 | $0 | $0 | 0.00% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $0 | $0 | $0 | 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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 251 | $95K |
| Vision | VISION BENEFITS OF AMERICA | 393 | $51K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 480 | $209K |
| Short-term disability | AFLAC | 7 | $5K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 480 | $194K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 480 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.