| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | AVALON INSURANCE COMPANY | $36K | — | $36K | 15.00% |
| MATTHEW ROBERT KRISE3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $2K | $552 | $3K | 1.91% |
| JAPHETH MICHAEL BROEG3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $2K | $551 | $3K | 1.91% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $438 | $157 | $595 | 0.41% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $442 | $53 | $495 | 0.34% |
| CHRISTOPHER JAY BOUSHELL3 | 200 N HIGH ST STE 300 WEST CHESTER, PA 19380 | NORTHWESTERN MUTUAL | $45 | $11 | $56 | 0.04% |
| ERIKA JACOBI3 | 200 N HIGH ST WEST CHESTER, PA 19380 | NORTHWESTERN MUTUAL | $4 | $2 | $6 | 0.00% |
| 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 | 9.00% |
| JOANN G. CIAVARELLA3 | 229 WALNUT LEVEL RD. NEW CUMBERLAND, PA 17070 | AFLAC | $4K | $89 | $4K | 5.85% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE COURT MECHANICSBURG, PA 17050 | AFLAC | $1K | $21 | $1K | 1.93% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $1K | $21 | $1K | 1.71% |
| DIANNE L MARTIN3 | 3605 VARTAN WAY HARRISBURG, PA 17110 | AFLAC | $500 | — | $500 | 0.74% |
| CHARLES L JENNINGS3 | 2468 RUDY RD HARRISBURG, PA 17104 | AFLAC | $265 | — | $265 | 0.39% |
| JOHN K FISHER3 | 503 EVERGREEN RD NEW CUMBERLAND, PA 17070 | AFLAC | $103 | — | $103 | 0.15% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $99 | — | $99 | 0.15% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL ROAD GARDNERS, PA 17324 | AFLAC | $68 | — | $68 | 0.10% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $53 | — | $53 | 0.08% |
| C H ROBINSON & ASSOCIATES INC3 | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $43 | — | $43 | 0.06% |
| IRENE E BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $21 | — | $21 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDAL TER HARRISBURG, PA 17112 | AFLAC | $20 | — | $20 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $20 | — | $20 | 0.03% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $19 | — | $19 | 0.03% |
| GAILE F DELBAUGH3 | PO BOX 83 MT GRETNA, PA 17064 | AFLAC | $18 | — | $18 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $12 | — | $12 | 0.02% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $8 | — | $8 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $8 | — | $8 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | — | $3 | 0.00% |
| FAILOR KRISE & BROEG ASSOCIATES LLC3 | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 170502903 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.18% |
| FAILOR KRISE & BROEG ASSOCIATES LLC3 | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 17050 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.39% |
| MATTHEW ROBERT KRISE3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $1K | $349 | $2K | 8.30% |
| JAPHETH MICHAEL BROEG3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $1K | $349 | $2K | 8.29% |
| BRAD ANDREW NELSON3 | STE 103 100 STERLING PKWY MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $277 | $99 | $376 | 1.80% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DRIVE KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $282 | $34 | $316 | 1.51% |
| CHRISTOPHER JAY BOUSHELL3 | 200 N HIGH ST STE 300 WEST CHESTER, PA 19380 | NORTHWESTERN MUTUAL | $53 | $13 | $66 | 0.32% |
| ERIKA JACOBI3 | 200 N HIGH ST STE 300 WEST CHESTER, PA 19380 | NORTHWESTERN MUTUAL | $5 | $2 | $7 | 0.03% |
| 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 | $2K | — | $2K | 9.00% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $213 | — | $213 | 4.37% |
| MAIA LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE | $63 | — | $63 | 1.29% |
| DAVID A TALMAS3 | 39 PEACH LANE LANCASTER, PA 176013245 | AMERICAN HERITAGE LIFE INSURANCE | $44 | — | $44 | 0.90% |
| JAMES DOMINIC FERNANDEZ3 | 4427 MAPLEPARK RD STOW, OH 44224 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 0.06% |
| EDWARD TAYLOR3 | 279 MASTERS DRIVE CASTLE ROCK, CO 80104 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 0.06% |
| KENT HOLLINGER3 | 1544 ROSE VIRGINIA RD WYOMISSING, PA 19610 | AMERICAN HERITAGE LIFE INSURANCE | $2 | — | $2 | 0.04% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST 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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 69 | $67K |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 183 | $85K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 199 | $18K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 224 | $105K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 230 | $211K |
| Long-term disability(4 contracts, 4 carriers) | AFLAC | 69 | $114K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 199 | $243K |
| Other(3 contracts, 3 carriers) | AFLAC | 224 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.