| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA | 450 SOUTH GRAVES RD. SUITE 200 PLYMOUTH MEETING, PA 19462 | AVALON INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| DONALD E FAILOR ASSOC LLC3 Filed as: DONALD E. FAILOR | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $3K | $614 | $3K | 3.81% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $443 | $105 | $548 | 0.64% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KNG OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $395 | $35 | $430 | 0.50% |
| ALPHA BENEFITS GROUP INC3 | 949 EASTON ROAD SUITE 200 WARRINGTON, PA 18976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 9.59% |
| JOANN G. CIAVARELLA3 | 229 WALNUT LEVEL RD. NEW CUMBERLAND, PA 17070 | AFLAC | $5K | $476 | $6K | 9.06% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $1K | $95 | $1K | 2.06% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1K | $95 | $1K | 1.84% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE COURT MECHANICSBURG, PA 17050 | AFLAC | $505 | — | $505 | 0.80% |
| CHARLES L JENNINGS3 | 2468 RUDY RD HARRISBURG, PA 17104 | AFLAC | $464 | — | $464 | 0.74% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $277 | $95 | $372 | 0.59% |
| JOHN K FISHER3 | 503 EVERGREEN RD NEW CUMBERLAND, PA 17070 | AFLAC | $263 | — | $263 | 0.42% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL ROAD GARDNERS, PA 17324 | AFLAC | $193 | — | $193 | 0.31% |
| GAILE F DELBAUGH3 | PO BOX 83 MT GRETNA, PA 17064 | AFLAC | $160 | — | $160 | 0.25% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $146 | — | $146 | 0.23% |
| C H ROBINSON & ASSOCIATES INC3 | 4623 NW 53RD AVE STE 1A GAINESVILLE, FL 32653 | AFLAC | $85 | — | $85 | 0.14% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE, SUITE 101 HARRISBURG, PA 17110 | AFLAC | $71 | — | $71 | 0.11% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $50 | — | $50 | 0.08% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $35 | — | $35 | 0.06% |
| C H ROBINSON & ASSOCIATES INC3 | 101 SE 2ND PL STE 201A GAINESVILLE, FL 32601 | AFLAC | $24 | — | $24 | 0.04% |
| MG BERGER INC3 | 1020 N DELAWARE AVE, STE 4 PHILADELPHIA, PA 19125 | AFLAC | $13 | — | $13 | 0.02% |
| DONALD E FAILOR ASSOC LLC3 | PO BOX 170 MECHANICSBURG, PA 170550170 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.06% |
| DONALD E FAILOR ASSOC LLC3 Filed as: DONALD E FAILOR ASSOCIATES LLC | PO BOX 170 MECHANICSBURG, PR 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 16.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | THE CURTIS CENTER 601 WALNUT ST SUITE 275W PHILADELPHIA, PA 19106 | HIGHMARK BLUE SHIELD | $1K | — | $1K | 7.49% |
| ALPHA BENEFITS GROUP INC3 | 450 S GROVERS ROAD PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE SHIELD | $186 | — | $186 | 1.24% |
| DONALD E FAILOR ASSOC LLC3 Filed as: DONALD E. FAILOR | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $2K | $357 | $2K | 15.20% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $257 | $61 | $318 | 2.54% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $229 | $20 | $249 | 1.99% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $661 | — | $661 | 6.51% |
| MAIA LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $166 | — | $166 | 1.64% |
| DAVID A TALMAS3 | 39 PEACH LANE LANCASTER, PA 176013245 | AMERICAN HERITAGE LIFE INSURANCE | $140 | — | $140 | 1.38% |
| JAMES DOMINIC FERNANDEZ3 | 4427 MAPLEPARK RD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE | $8 | — | $8 | 0.08% |
| EDWARD TAYLOR3 | 279 MASTERS DRIVE CASTLE ROCK, CO 80104 | AMERICAN HERITAGE LIFE INSURANCE | $4 | — | $4 | 0.04% |
| KENT HOLLINGER3 | 1544 ROSE VIRGINIA RD WYOMISSING, PA 19610 | AMERICAN HERITAGE LIFE INSURANCE | $4 | — | $4 | 0.04% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 0.03% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 78 | $63K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $71K |
| Vision | HIGHMARK BLUE SHIELD | 212 | $15K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 188 | $91K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 182 | $149K |
| Long-term disability(4 contracts, 4 carriers) | AFLAC | 78 | $101K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 214 | $149K |
| Other(2 contracts, 2 carriers) | AFLAC | 188 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
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.