| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA | 125 E. ELM STREET CONSHOHOCKEN, PA 19428 | AVALON INSURANCE COMPANY | $26K | — | $26K | 15.00% |
| MATTHEW ROBERT KRISE3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $4K | $955 | $5K | 4.33% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $397 | $142 | $539 | 0.49% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $397 | $48 | $445 | 0.41% |
| JAPHETH MICHAEL BROEG3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $178 | $45 | $223 | 0.20% |
| ALPHA BENEFITS GROUP INC3 | 125 EAST ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 7.76% |
| JOANN G. CIAVARELLA3 | 229 WALNUT LEVEL RD. NEW CUMBERLAND, PA 17070 | AFLAC | $7K | $475 | $7K | 9.26% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE COURT MECHANICSBURG, PA 17050 | AFLAC | $2K | $95 | $2K | 2.43% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $2K | $95 | $2K | 2.13% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $639 | — | $639 | 0.79% |
| CHARLES L JENNINGS3 | 2468 RUDY RD HARRISBURG, PA 17104 | AFLAC | $329 | — | $329 | 0.41% |
| JOHN K FISHER3 | 503 EVERGREEN RD NEW CUMBERLAND, PA 17070 | AFLAC | $150 | — | $150 | 0.19% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $137 | — | $137 | 0.17% |
| GAILE F DELBAUGH3 | PO BOX 83 MT GRETNA, PA 17064 | AFLAC | $95 | — | $95 | 0.12% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL ROAD GARDNERS, PA 17324 | AFLAC | $90 | — | $90 | 0.11% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $82 | — | $82 | 0.10% |
| C H ROBINSON & ASSOCIATES INC3 | 4735 NW 53RD AVE STE A GAINESVILLE, FL 32653 | AFLAC | $69 | — | $69 | 0.09% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $29 | — | $29 | 0.04% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $28 | — | $28 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $26 | — | $26 | 0.03% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $24 | — | $24 | 0.03% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $16 | — | $16 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $16 | — | $16 | 0.02% |
| CHRISTOPHER A LUPP3 | 940 E PARK DRIVE SUITE 301 HARRISBURG, PA 17111 | AFLAC | $12 | — | $12 | 0.01% |
| C H ROBINSON & ASSOCIATES INC3 | 4623 NW 53RD AVE STE 1 GAINESVILLE, FL 32653 | AFLAC | $6 | — | $6 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | — | $3 | 0.00% |
| DONALD E FAILOR ASSOC LLC3 | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 170502903 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.27% |
| FAILOR KRISE & BROEG ASSOCIATES LLC3 | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 17050 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.36% |
| MATTHEW ROBERT KRISE3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $2K | $526 | $3K | 15.80% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $228 | $82 | $310 | 1.87% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $228 | $27 | $255 | 1.54% |
| JAPHETH MICHAEL BROEG3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $196 | $49 | $245 | 1.48% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $452 | — | $452 | 5.31% |
| DAVID A TALMAS3 | 39 PEACH LANE LANCASTER, PA 176013245 | AMERICAN HERITAGE LIFE INSURANCE | $125 | — | $125 | 1.47% |
| MAIA LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $104 | — | $104 | 1.22% |
| JAMES DOMINIC FERNANDEZ3 | 4427 MAPLEPARK RD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE | $7 | — | $7 | 0.08% |
| KENT HOLLINGER3 | 1544 ROSE VIRGINIA RD WYOMISSING, PA 19610 | AMERICAN HERITAGE LIFE INSURANCE | $4 | — | $4 | 0.05% |
| EDWARD TAYLOR3 | 279 MASTERS DRIVE CASTLE ROCK, CO 80104 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 0.04% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 0.04% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 76 | $81K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $88K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 218 | $18K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 242 | $120K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 233 | $190K |
| Long-term disability(4 contracts, 4 carriers) | AFLAC | 76 | $124K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 220 | $174K |
| Other(2 contracts, 2 carriers) | AFLAC | 242 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.