| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DRIVE SUITE 250 LANCASTER, PA 17601 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 0.35% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 17.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 19.83% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $332 | — | $332 | 1.66% |
| GERALD L WALSH3 | 39 POCAHONTAS LANE HALIFAX, PA 17032 | AFLAC | $305 | — | $305 | 1.52% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL ROAD GARDNERS, PA 17324 | AFLAC | $203 | — | $203 | 1.01% |
| SAMUEL A BOORE3 | 4081 ROSEWALL CT HARRISBURG, PA 17112 | AFLAC | $156 | — | $156 | 0.78% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $143 | — | $143 | 0.71% |
| GARY STEFUS3 | 345 MISTY PATCH ROAD EAST FALLOWFIELD, PA 19320 | AFLAC | $132 | — | $132 | 0.66% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $102 | — | $102 | 0.51% |
| GAIL I HOLTZINGER3 | 427 S 2ND ST WRIGHTSVILLE, PA 17368 | AFLAC | $56 | — | $56 | 0.28% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $51 | — | $51 | 0.25% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $50 | — | $50 | 0.25% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PA 17319 | AFLAC | $49 | — | $49 | 0.24% |
| C H ROBINSON & ASSOCIATES INC3 | 4623 NW 53RD AVE STE 1 GAINESVILLE, FL 32653 | AFLAC | $46 | — | $46 | 0.23% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $46 | — | $46 | 0.23% |
| LARA ESCHBACH3 | 1027 SOUTH ST POTTSTOWN, PA 19464 | AFLAC | $27 | — | $27 | 0.13% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17109 | AFLAC | $27 | — | $27 | 0.13% |
| THOMAS R FILDES3 | 1195 RITCHIE ROAD STOW, OH 44224 | AFLAC | $22 | — | $22 | 0.11% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $21 | — | $21 | 0.10% |
| MARK D BARBIER3 | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $19 | — | $19 | 0.09% |
| LOUIS J CORADO JR3 | 1699 SHERWOOD RD NEW CUMBERLAND, PA 17070 | AFLAC | $18 | — | $18 | 0.09% |
| MARY A BARANSKI3 | 103 E COUNTRYSIDE DRIVE BOILING SPRINGS, PA 17007 | AFLAC | $16 | — | $16 | 0.08% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $16 | — | $16 | 0.08% |
| JENNIFER DEPROSPO3 | 750 LAKE DRIVE LEBANON, PA 17042 | AFLAC | $15 | — | $15 | 0.07% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DR SINKING SPRING, PA 19608 | AFLAC | $15 | — | $15 | 0.07% |
| GALEN F BULLOCK3 | 1006 ROUNDHOUSE CT WEST CHESTER, PA 19380 | AFLAC | $14 | — | $14 | 0.07% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $12 | — | $12 | 0.06% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $11 | — | $11 | 0.05% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $11 | — | $11 | 0.05% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $9 | — | $9 | 0.04% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | AFLAC | $9 | — | $9 | 0.04% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $7 | — | $7 | 0.03% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE RD GETTYSBURG, PA 17325 | AFLAC | $6 | — | $6 | 0.03% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $6 | — | $6 | 0.03% |
| MARTI STATLER3 | 965 WARM SPRING RD CHAMBERSBURG, PA 17202 | AFLAC | $6 | — | $6 | 0.03% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $6 | — | $6 | 0.03% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DR BENNINGTON, VT 05201 | AFLAC | $6 | — | $6 | 0.03% |
| RANDALL D NAFTAL3 | 37 NORTH VALLEY ROAD 2 STATION SQUARE SUITE 201 PAOLI, PA 19301 | AFLAC | $5 | — | $5 | 0.02% |
| STEPHANIE J RITTNER3 | 109 FONTAINE CT MONROE TOWNSHIP, NJ 08831 | AFLAC | $5 | — | $5 | 0.02% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $3 | — | $3 | 0.01% |
| LARA ESCHBACH3 | 519 LANCASTER AVENUE 2ND FLOOR MALVERN, PA 19355 | AFLAC | $3 | — | $3 | 0.01% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $2 | — | $2 | 0.01% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | 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% |
| C H ROBINSON & ASSOCIATES INC3 | 4735 NW 53RD AVE STE A GAINESVILLE, FL 32653 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $1 | — | $1 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DRIVE STE 250 LANCASTER, PA 17601 | AETNA LIFE INSURANCE CO. | $565 | — | $565 | 3.43% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.89% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.68% |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 756 | $4.9M |
| Dental | AETNA LIFE INSURANCE CO. | 756 | $4.9M |
| Vision | AETNA LIFE INSURANCE CO. | 756 | $4.9M |
| Life insurance(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 782 | $4.9M |
| Short-term disability | AFLAC | 34 | $20K |
| Long-term disability(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $65K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 756 | $4.9M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 782 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.