| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW ROBERT KRISE3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $2K | $382 | $2K | 1.30% |
| CHRISTOPHER JAY BOUSHELL3 | 200 N HIGH ST STE 300 WEST CHESTER, PA 19380 | NORTHWESTERN MUTUAL | $1K | $371 | $2K | 1.26% |
| JAPHETH MICHAEL BROEG3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $1K | $370 | $2K | 1.26% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $593 | $71 | $664 | 0.46% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $298 | $107 | $405 | 0.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $8K | — | $8K | 8.50% |
| JOANN G. CIAVARELLA3 Filed as: JOANN G CIAVARELLA | 229 WALNUT LEVEL RD NEW CUMBERLAND, PA 17070 | AFLAC | $9K | $492 | $9K | 10.42% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE COURT MECHANICSBURG, PA 17050 | AFLAC | $3K | $115 | $3K | 3.21% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $2K | $115 | $2K | 2.27% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $412 | — | $412 | 0.46% |
| CHARLES L JENNINGS3 | 2468 RUDY RD HARRISBURG, PA 17104 | AFLAC | $200 | — | $200 | 0.22% |
| JOHN K FISHER3 | 503 EVERGREEN RD NEW CUMBERLAND, PA 17070 | AFLAC | $103 | — | $103 | 0.12% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $87 | — | $87 | 0.10% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL RD GARDNERS, PA 17324 | AFLAC | $60 | — | $60 | 0.07% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $53 | — | $53 | 0.06% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $22 | — | $22 | 0.02% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $19 | — | $19 | 0.02% |
| GAILE F DELBAUGH3 | PO BOX 83 MOUNT GRETNA, PA 17064 | AFLAC | $18 | — | $18 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $18 | — | $18 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $17 | — | $17 | 0.02% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $16 | — | $16 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $10 | — | $10 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $6 | — | $6 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 205 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | — | $3 | 0.00% |
| KRISE BROEG & BOUSHELL, LLC3 Filed as: KRISE BROEG & BOUSHELL LLC | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 170502903 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.66% |
| MATTHEW ROBERT KRISE3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $1K | $311 | $2K | 4.75% |
| JAPHETH MICHAEL BROEG3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $1K | $301 | $1K | 4.61% |
| CHRISTOPHER JAY BOUSHELL3 | 200 N HIGH ST STE 300 WEST CHESTER, PA 19380 | NORTHWESTERN MUTUAL | $1K | $301 | $1K | 4.61% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $482 | $58 | $540 | 1.66% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $243 | $87 | $330 | 1.02% |
| KRISE BROEG & BOUSHELL, LLC3 | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 17050 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 10.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $1K | — | $1K | 8.50% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $192 | — | $192 | 4.35% |
| MAIA LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $62 | — | $62 | 1.40% |
| EDWARD TAYLOR3 | 279 MASTERS DRIVE CASTLE ROCK, CO 80104 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 0.07% |
| JAMES DOMINIC FERNANDEZ3 | 4024 PELHAM ST NE CANTON, OH 44714 | AMERICAN HERITAGE LIFE INSURANCE | $2 | — | $2 | 0.05% |
| THOMAS W BOSTON3 | 139 MARKET AVE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE | $1 | — | $1 | 0.02% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 85 | $89K |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 176 | $90K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 176 | $16K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 201 | $131K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 201 | $235K |
| Long-term disability(4 contracts, 4 carriers) | AFLAC | 85 | $151K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | EVEREST REINSURANCE COMPANY | 184 | $424K |
| Other(3 contracts, 3 carriers) | AFLAC | 201 | $131K |
| 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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.