| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA | 2 MARKET PLAZA WAY SUITE 2 MECHANICSBURG, PA 17055 | HCC LIFE INSURANCE COMPANY | $24K | $2K | $25K | 16.03% |
| ALPHA BENEFITS GROUP INC3 | 125 EAST ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 9.03% |
| DONALD E FAILOR ASSOC LLC3 Filed as: DONALD E. FAILOR | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $2K | $424 | $2K | 2.61% |
| MATTHEW ROBERT KRISE3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $971 | $224 | $1K | 1.38% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $467 | $111 | $578 | 0.67% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KNG OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $417 | $37 | $454 | 0.52% |
| JOANN G. CIAVARELLA3 | 229 WALNUT LEVEL RD. NEW CUMBERLAND, PA 17070 | AFLAC | $8K | $152 | $8K | 12.43% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $2K | $30 | $2K | 2.54% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE COURT MECHANICSBURG, PA 17050 | AFLAC | $1K | $30 | $2K | 2.42% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $662 | — | $662 | 1.06% |
| CHARLES L JENNINGS3 | 2468 RUDY RD HARRISBURG, PA 17104 | AFLAC | $381 | — | $381 | 0.61% |
| JOHN K FISHER3 | 503 EVERGREEN RD NEW CUMBERLAND, PA 17070 | AFLAC | $221 | — | $221 | 0.36% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $145 | — | $145 | 0.23% |
| GAILE F DELBAUGH3 | PO BOX 83 MT GRETNA, PA 17064 | AFLAC | $137 | — | $137 | 0.22% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL ROAD GARDNERS, PA 17324 | AFLAC | $126 | — | $126 | 0.20% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $123 | — | $123 | 0.20% |
| C H ROBINSON & ASSOCIATES INC3 | 4623 NW 53RD AVE STE 1A GAINESVILLE, FL 32653 | AFLAC | $80 | — | $80 | 0.13% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $42 | — | $42 | 0.07% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $30 | — | $30 | 0.05% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $26 | — | $26 | 0.04% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $24 | — | $24 | 0.04% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $19 | — | $19 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $15 | — | $15 | 0.02% |
| CHRISTOPHER A LUPP3 | 940 E PARK DRIVE SUITE 301 HARRISBURG, PA 17111 | AFLAC | $11 | — | $11 | 0.02% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP ROAD STE 102 HARRISBURG, PA 17111 | AFLAC | $4 | — | $4 | 0.01% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LANE GULPH MILLS, PA 19428 | AFLAC | $3 | — | $3 | 0.00% |
| DONALD E FAILOR ASSOC LLC3 | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 170502903 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.06% |
| DONALD E FAILOR ASSOC LLC3 Filed as: DONALD E FAILOR ASSOCIATES LLC | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 17050 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.37% |
| MATTHEW ROBERT KRISE3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $836 | $193 | $1K | 8.35% |
| DONALD E FAILOR ASSOC LLC3 Filed as: DONALD E. FAILOR | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $827 | $191 | $1K | 8.26% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $277 | $66 | $343 | 2.78% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $246 | $22 | $268 | 2.18% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $484 | — | $484 | 5.21% |
| DAVID A TALMAS3 | 39 PEACH LANE LANCASTER, PA 176013245 | AMERICAN HERITAGE LIFE INSURANCE | $139 | — | $139 | 1.50% |
| MAIA LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $113 | — | $113 | 1.22% |
| JAMES DOMINIC FERNANDEZ3 | 4427 MAPLEPARK RD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE | $7 | — | $7 | 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% |
| JOYCE F B THOMAS3 | 8020 LAS VEGAS BLVD S #74 LAS VEGAS, NV 89123 | 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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 78 | $62K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $88K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 225 | $18K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 227 | $96K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 245 | $149K |
| Long-term disability(4 contracts, 4 carriers) | AFLAC | 78 | $100K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 225 | $158K |
| Other(2 contracts, 2 carriers) | AFLAC | 227 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.