| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21031 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $172K | — | $172K | 4.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DRIVE STE 250 LANCASTER, PA 176016814 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $23 | $20K | 8.42% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 210301338 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.58% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS DBA MF IRVINE 280 | GRANITE RUN DRIVE SUITE 250 LANCASTER, PA 17601 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 10.25% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | AETNA LIFE INSURANCE CO. | $696 | — | $696 | 0.59% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS DBA MF IRVINE 21 | EAST 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE CO. | $596 | — | $596 | 0.50% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC 200 | INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | AETNA LIFE INSURANCE CO. | $0 | — | $0 | 0.00% |
| GERALD L WALSH3 | 39 POCAHONTAS LANE HALIFAX, PA 17032 | AFLAC | $451 | — | $451 | 1.74% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $405 | — | $405 | 1.56% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL ROAD GARDNERS, PA 17324 | AFLAC | $235 | — | $235 | 0.91% |
| SAMUEL A BOORE3 | 4081 ROSEWALL CT HARRISBURG, PA 17112 | AFLAC | $195 | — | $195 | 0.75% |
| GARY STEFUS3 | 345 MISTY PATCH ROAD EAST FALLOWFIELD, PA 19320 | AFLAC | $156 | — | $156 | 0.60% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $156 | — | $156 | 0.60% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $122 | — | $122 | 0.47% |
| C H ROBINSON & ASSOCIATES INC3 | 132 NW 76TH DR STE B GAINESVILLE, FL 32607 | AFLAC | $70 | — | $70 | 0.27% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $60 | — | $60 | 0.23% |
| GAIL I HOLTZINGER3 | 427 S 2ND ST WRIGHTSVILLE, PA 17368 | AFLAC | $60 | — | $60 | 0.23% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $54 | — | $54 | 0.21% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $51 | — | $51 | 0.20% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PA 17319 | AFLAC | $49 | — | $49 | 0.19% |
| MARY A BARANSKI3 | 103 E COUNTRYSIDE DRIVE BOILING SPRINGS, PA 17007 | AFLAC | $43 | — | $43 | 0.17% |
| LARA ESCHBACH3 | 519 LANCASTER AVENUE 2ND FLOOR MALVERN, PA 19355 | AFLAC | $37 | — | $37 | 0.14% |
| JENNIFER DEPROSPO3 | 750 LAKE DRIVE LEBANON, PA 17042 | AFLAC | $36 | — | $36 | 0.14% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17109 | AFLAC | $32 | — | $32 | 0.12% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE RD GETTYSBURG, PA 17325 | AFLAC | $25 | — | $25 | 0.10% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $24 | — | $24 | 0.09% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $22 | — | $22 | 0.08% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $20 | — | $20 | 0.08% |
| THOMAS R FILDES3 | 4506 DIPLOMAT DR STOW, OH 44224 | AFLAC | $20 | — | $20 | 0.08% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DR SINKING SPRING, PA 19608 | AFLAC | $18 | — | $18 | 0.07% |
| LOUIS J CORADO JR3 | 1699 SHERWOOD RD NEW CUMBERLAND, PA 17070 | AFLAC | $17 | — | $17 | 0.07% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $15 | — | $15 | 0.06% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $13 | — | $13 | 0.05% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $12 | — | $12 | 0.05% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $12 | — | $12 | 0.05% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $11 | — | $11 | 0.04% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | AFLAC | $10 | — | $10 | 0.04% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $10 | — | $10 | 0.04% |
| RANDALL D NAFTAL3 | 37 NORTH VALLEY ROAD 2 STATION SQUARE SUITE 201 PAOLI, PA 19301 | AFLAC | $9 | — | $9 | 0.03% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $8 | — | $8 | 0.03% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $8 | — | $8 | 0.03% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $7 | — | $7 | 0.03% |
| STEPHANIE J RITTNER3 | 109 FONTAINE CT MONROE TOWNSHIP, NJ 08831 | AFLAC | $7 | — | $7 | 0.03% |
| MATTHEW T OHANLON3 | 100 W ELM ST STE 101 CONSHOHOCKEN, PA 19428 | AFLAC | $7 | — | $7 | 0.03% |
| GALEN F BULLOCK3 | 1006 ROUNDHOUSE CT WEST CHESTER, PA 19380 | AFLAC | $6 | — | $6 | 0.02% |
| MARTI STATLER3 | 965 WARM SPRING RD CHAMBERSBURG, PA 17202 | AFLAC | $6 | — | $6 | 0.02% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $5 | — | $5 | 0.02% |
| NICOLE ALABOVITZ3 | 110 BIRDIE DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $4 | — | $4 | 0.02% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $3 | — | $3 | 0.01% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $3 | — | $3 | 0.01% |
| HARRY S GOOD3 | P.O. BOX 175 LOGANVILLE, PA 17342 | AFLAC | $3 | — | $3 | 0.01% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.01% |
| JOYCE MARIE3 | 11718 GARWOOD DR MAGNOLIA, TX 77354 | AFLAC | $2 | — | $2 | 0.01% |
| STEVEN DARDICK3 | 1109 COUNTRY CLUB ROAD CAMP HILL, PA 17011 | AFLAC | $2 | — | $2 | 0.01% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $2 | — | $2 | 0.01% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS J POPPERT3 | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $1 | — | $1 | 0.00% |
| HARRY D WAGNER3 | P.O. BOX 7247 AUDUBON, PA 19047 | AFLAC | $0 | — | $0 | 0.00% |
| LARRY L NEWMAN3 | P.O. BOX 785 SUNBURY, PA 17801 | AFLAC | $0 | — | $0 | 0.00% |
| CRAWFORDADVISORS DBA STOUDTADVISORS3 | 280 GRANITE RUN DRIVE STE 250 LANCASTER, PA 176016814 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $69 | $5K | 20.60% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.08% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 210301338 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $584 | $584 | 2.52% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.76% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.56% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 703 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 476 | $241K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 476 | $241K |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 703 | $147K |
| Short-term disability | AFLAC | 45 | $26K |
| Long-term disability(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 703 | $147K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 565 | $4.3M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 703 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.