| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS ADMINISTRATORS | $42K | — | $42K | 4.83% |
| JP WARNER ASSOCIATES, INC. Filed as: J P WARNER ASSOCIATES INC. | 485 DEVON PARK DR, STE 103 WAYNE, PA 19087 | GERBER LIFE INSURANCE COMPANY | $15K | — | $15K | 9.97% |
| KEVIN W KREPINEVICH3 | 3440 LEHIGH ST PMB 102 ALLENTOWN, PA 18103 | AFLAC | $1K | — | $1K | 2.25% |
| GAIL WALLACE3 | 603 BRIARWOOD DRIVE NASHVILLE, NC 27856 | AFLAC | $1K | — | $1K | 2.16% |
| QUENTIN C KENT3 | P.O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $950 | — | $950 | 1.95% |
| DENTON E QUICK3 | 2170 READING AVENUE WEST LAWN, PA 19609 | AFLAC | $589 | — | $589 | 1.21% |
| JOYCE A ELLIOTT3 | 36814 TEAL ROAD MILLSBORO, DE 19966 | AFLAC | $385 | — | $385 | 0.79% |
| KRISTINE R MORRISON | 32122 SUNRISE DR. LISBON, OH 44432 | AFLAC | $370 | — | $370 | 0.76% |
| JEFFREY L GODWIN | 2331 CAPSTONE CT. ROCKY MOUNT, NC 27804 | AFLAC | $200 | — | $200 | 0.41% |
| DAVID ANDY SIMS | 3110 COLTON DRIVE SPRINGDALE, AR 72762 | AFLAC | $197 | — | $197 | 0.40% |
| JEFFREY L GODWIN | 132 N ENGLEWOOD DR ROCKY MOUNT, NC 27804 | AFLAC | $186 | — | $186 | 0.38% |
| JACQUELINE EBERZ | 4949 LIBERTY LANE STE 310 ALLENTOWN, PA 18106 | AFLAC | $176 | — | $176 | 0.36% |
| EDWARD F MROWKA JR | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $159 | — | $159 | 0.33% |
| JACQUELINE EBERZ | 98 LAMP POST RD NEW BRITIAN, PA 18901 | AFLAC | $138 | — | $138 | 0.28% |
| FINANCIAL PRODUCTS AND SERVICE Filed as: FINANCIAL PRODUCTS, INC. | 1717 HAMILTON ST ALLENTOWN, PA 18104 | AFLAC | $134 | — | $134 | 0.27% |
| MASON C LEE | 132 N ENGLEWOOD DR ROCKY MOUNT, NC 27804 | AFLAC | $133 | — | $133 | 0.27% |
| PAUL D QUILLIN | 3144 MEANDERWOOD DR. CANFIELD, OH 44406 | AFLAC | $113 | — | $113 | 0.23% |
| JOHN B LACARIA | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $98 | — | $98 | 0.20% |
| TAD H HARRELL | 4421 WHITE OAK LOOP WILSON, NC 27893 | AFLAC | $78 | — | $78 | 0.16% |
| MATTHEW G BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $78 | — | $78 | 0.16% |
| MARK E MYERS | 1745 N 75 E WASHINGTON, IN 47501 | AFLAC | $67 | — | $67 | 0.14% |
| THOMAS A HOUSER | 2720 BRIARWOOD CT. POLAND, OH 44514 | AFLAC | $65 | — | $65 | 0.13% |
| GAYLE R. DEMASS | 3671 S 550 E LA PORTE, IN 46350 | AFLAC | $58 | — | $58 | 0.12% |
| JEFFREY C GRIM | 4700 DUNHAM DR READING, PA 19606 | AFLAC | $49 | — | $49 | 0.10% |
| TRACI R BATTEN | 216 MAITLAND AVE MAITLAND, FL 32701 | AFLAC | $49 | — | $49 | 0.10% |
| JAMES EDWIN REED | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $48 | — | $48 | 0.10% |
| MARY B DIXON | 1210 N ORIOLE AVE ROGERS, AR 72756 | AFLAC | $44 | — | $44 | 0.09% |
| STEPHEN M KUCENSKI | 3214 GRAY ST READING, PA 19605 | AFLAC | $43 | — | $43 | 0.09% |
| MAUREEN SUSAN FRIEDMAN | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $42 | — | $42 | 0.09% |
| JERAD C CROOKS | 540 S MAIN ST BOURBON, IN 46504 | AFLAC | $42 | — | $42 | 0.09% |
| LARRY A WESTON JR | 321 WINDSOR RD. GREENVILLE, NC 27858 | AFLAC | $40 | — | $40 | 0.08% |
| KENNETH L SCHNEER | 2937 W PENNSYLVANIA ST. ALLENTOWN, PA 18104 | AFLAC | $39 | — | $39 | 0.08% |
| JOSEPH M BRZECZEK | 1012 COLLEGE ROAD STE 203 DOVER, DE 19904 | AFLAC | $38 | — | $38 | 0.08% |
| STEPHEN D BISSELL | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $35 | — | $35 | 0.07% |
| BETHANY L ANDERSON | P.O. BOX 363 ALLENTOWN, PA 18105 | AFLAC | $34 | — | $34 | 0.07% |
| CHRISTINA KELLY | 1623 OLD LINCOLN HWY LANGHORNE, PA 19047 | AFLAC | $33 | — | $33 | 0.07% |
| JOHN T CAPOZZI | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $33 | — | $33 | 0.07% |
| ERICK J HJEMBO | 241 SUGARBERRY LN LANGHORNE, PA 19047 | AFLAC | $31 | — | $31 | 0.06% |
| JAMES ELDER BROOKS | 1253 WEST LEESPORT ROAD LEESPORT, PA 19533 | AFLAC | $31 | — | $31 | 0.06% |
| CHRIS A GEHLHAUSEN | 5401 VOGEL RD, STE 410 EVANSVILLE, IN 47715 | AFLAC | $29 | — | $29 | 0.06% |
| DANIEL R JUDY | 231 WALTERS MILL RD. SOMERSET, PA 15501 | AFLAC | $28 | — | $28 | 0.06% |
| GORDON K VANN | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $26 | — | $26 | 0.05% |
| DAVID C SIMS | 4504 W. MOURNING DOVE DR. ROGERS, AR 72758 | AFLAC | $22 | — | $22 | 0.05% |
| KELLY BRZECZEK | 1012 COLLEGE ROAD STE 203 DOVER, DE 19904 | AFLAC | $21 | — | $21 | 0.04% |
| DAVID R KREMER | 2150 ASSOCIATION DR., STE. 150 OKEMOS, MI 48864 | AFLAC | $19 | — | $19 | 0.04% |
| DIANNE L MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $18 | — | $18 | 0.04% |
| KIMMON R GUSEMAN | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | AFLAC | $17 | — | $17 | 0.03% |
| DARRYL N PENNINGTON | P.O. BOX 6121 SPRINGDALE, AE 72766 | AFLAC | $15 | — | $15 | 0.03% |
| BRANDEE L JUSTUS | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $15 | — | $15 | 0.03% |
| WILLIAM M HURLEY | 7125 CHILTON TYLER, TX 75701 | AFLAC | $13 | — | $13 | 0.03% |
| MARK D BARBIER | 802 DEER TRAIL LN. OAK BROOK, IL 60523 | AFLAC | $12 | — | $12 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: RONALD JOE BENTLEY | 6301 FIELDCREST DR FORT SMITH, AR 72916 | AFLAC | $12 | — | $12 | 0.02% |
| EVERETT C BENNETT | 902 POPLAR ST MILFORD, DE 19963 | AFLAC | $11 | — | $11 | 0.02% |
| DARREN D RIDDLE | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $11 | — | $11 | 0.02% |
| DEANNE L MILLER | 278 ENDICOTT ST. BRUCETON MILLS, WV 26525 | AFLAC | $10 | — | $10 | 0.02% |
| DEANNE L MILLER | 1405 FAULKENBERY RD WILMINGTON, NC 28409 | AFLAC | $9 | — | $9 | 0.02% |
| IRENE E BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $9 | — | $9 | 0.02% |
| RYAN GOLDBERG | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $9 | — | $9 | 0.02% |
| GABOR JOZSEF SZOKOLYAI | 42 CHARLOTTE AVE SOUTHAMPTON, PA 18966 | AFLAC | $8 | — | $8 | 0.02% |
| ERIC R MACDOUGALL | 1 NESHAMINY INTERPLEX, STE. 201 TREVOSE, PA 19053 | AFLAC | $8 | — | $8 | 0.02% |
| NAVILLE & ASSOCIATES | 14220 OVERBROOK DR. CARMEL, IN 46074 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES EDWIN REED | 8224 SAN MARCO AVE. SPRINGDALE, PA 72762 | AFLAC | $5 | — | $5 | 0.01% |
| TRAVIS P LEBLANC | 230 DIANE LN. STONEWALL, LA 71078 | AFLAC | $5 | — | $5 | 0.01% |
| ANGELA MASSARELLI | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID N MORGAN | 906 MERCHANT LEE PL. MANAKIN SABOT, VA 23103 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER A LUPP | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $4 | — | $4 | 0.01% |
| LAUREN E SKINNER | 1024 MOCKINGBIRD DR RALEIGH, NC 27615 | AFLAC | $4 | — | $4 | 0.01% |
| JILL R LAMBERT Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $3 | — | $3 | 0.01% |
| BETH A AMBRUSO | 515 PEQUEST ROAD STEWARTSVILLE, NJ 08886 | AFLAC | $2 | — | $2 | 0.00% |
| TESSIE P CANTRELLE Filed as: TESSIE P. CANTRELLE | 1340 WEST TUNNEL BLVD., STE. 650 HOUMA, LA 70360 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL C WALKER | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | — | $2 | 0.00% |
| HARE AND ASSOCIATES LLC | 470 OLDE WORTHINGTON RD., STE. 250 WESTERVILLE, OH 43082 | AFLAC | $2 | — | $2 | 0.00% |
| SEAN R HILDRETH | 434 TUCKER RD GRIMESLAND, NC 27837 | AFLAC | $2 | — | $2 | 0.00% |
| K EARLE ABERNETHY | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER A LUPP | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHEN M SMITH | 10374 ALEXANDER MARTIN AVE CHARLOTTE, NC 28277 | AFLAC | $1 | — | $1 | 0.00% |
| JACK A SHADE | 690 TREE BEND CT WESTERVILLE, OH 43082 | AFLAC | $1 | — | $1 | 0.00% |
| JASON D ELLIS | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL EDWARD RISKA | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| MARTIN E BYSTROM | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $1 | — | $1 | 0.00% |
| BYRON KEITH BURRELL | 2330 QUATTLEBAUM CV CONWAY, AR 72034 | AFLAC | $1 | — | $1 | 0.00% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN A PITUCH | 23 MORGAN ST SPARTA, NJ 07871 | AFLAC | $1 | — | $1 | 0.00% |
| TRAVIS P LEBLANC | 349 ANTIETAM DR BOSSIER CITY, LA 71112 | AFLAC | $1 | — | $1 | 0.00% |
| MARK A WOJDA | 631 GREENFORD TRL W CARMEL, NJ 46032 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW A COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $1 | — | $1 | 0.00% |
| JANE W BARNHILL | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN M LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.00% |
| DUANE A ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN D SUSIE | 8682 HAWICK CT N DUBLIN, OH 43017 | AFLAC | $1 | — | $1 | 0.00% |
| OPPORTUNITY INC | 9404 WOODCHIP LN. BROADVIEW HTS., OH 44147 | AFLAC | $1 | — | $1 | 0.00% |
| LARA K GRANDE | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN T CLANCY | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER L MITCHEN | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN F WARD | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHEN STRICKLAND | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M HURLEY | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $1 | — | $1 | 0.00% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $1 | — | $1 | 0.00% |
| JP WARNER ASSOCIATES, INC. Filed as: J P WARNER ASSOCIATES INC. | 485 DEVON PARK DR, STE 103 WAYNE, PA 190871840 | METROPOLITAN LIFE INSURANCE COMOPANY | $3K | — | $3K | 6.39% |
| JP WARNER ASSOCIATES, INC.3 Filed as: J P WARNER ASSOCIATES INC. | 485 DEVON PARK DR, STE 103 WAYNE, PA 19087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.56% |
| FINANCIAL PRODUCTS AND SERVICE Filed as: FINANCIAL PRODUCTS, INC. | 1717 HAMILTON ST ALLENTOWN, PA 181045627 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.08% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS, INC. | 1717 HAMILTON ST ALLENTOWN, PA 181045627 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.61% |
| JASON ARMENTI | 1717 WEST HAMILTON STREET ALLENTOWN, PA 18104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $790 | — | $790 | 10.66% |
| FRANCIS OSCILOWSKI | 2500 ELMERTON AVENUE HARRISBURG, PA 17177 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $370 | — | $370 | 4.99% |
| CT GROUP - CA | 5722 I-55 N FRONTAGE RD JACKSON, MS 39211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $297 | — | $297 | 4.01% |
| MW-CA ADMIN | 5722 I-55 N FRONTAGE RD JACKSON, MS 39211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $277 | — | $277 | 3.74% |
| JASON ARMENTI | 1717 WEST HAMILTON STREET ALLENTOWN, PA 18104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48 | — | $48 | 10.04% |
| FRANCIS OSCILOWSKI | 2500 ELMERTON AVENUE HARRISBURG, PA 17177 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24 | — | $24 | 5.02% |
| MW-CA ADMIN | 5722 I-55 N FRONTAGE RD JACKSON, MS 39211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | — | $17 | 3.56% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS ADMINISTRATORS | 124 | $911K |
| Dental | METROPOLITAN LIFE INSURANCE COMOPANY | 194 | $42K |
| Vision | METROPOLITAN LIFE INSURANCE COMOPANY | 194 | $42K |
| Life insurance(3 contracts, 3 carriers) | GERBER LIFE INSURANCE COMPANY | 166 | $163K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $15K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $31K |
| Prescription drug | INDEPENDENCE BLUE CROSS ADMINISTRATORS | 124 | $863K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.