| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 15150 NW 79TH CT SUITE 200 MIAMI LAKES, FL 33016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 3.10% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQ, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.28% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $636 | $0 | $636 | 4.39% |
| JEFFREY C GRIM3 | 4700 DUNHAM DRIVE READING, PA 19606 | AFLAC | $253 | $0 | $253 | 1.75% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $193 | $0 | $193 | 1.33% |
| DAVID C WILSON3 | 602 EDWARDS AVE POTTSVILLE, PA 17901 | AFLAC | $93 | $0 | $93 | 0.64% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B MCGINTY JR. | 1150 GLENLEVIT DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $78 | $0 | $78 | 0.54% |
| THE HORTON GROUP Filed as: ALEX BELFORT | 3010 REGENCY DRIVE SINKING SPRING, PA 19608 | AFLAC | $63 | — | $63 | 0.43% |
| GARY J BRENNAN II3 | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $52 | $0 | $52 | 0.36% |
| JACQUELINE M EBERZ3 | 98 LAMP POST DR NEW BRITAIN, PA 18901 | AFLAC | $47 | $0 | $47 | 0.32% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK ROAD MACUNGIE, PA 18062 | AFLAC | $43 | $0 | $43 | 0.30% |
| WENDY M BOONE3 | 1901 SEIPSTOWN ROAD FOGELSVILLE, PA 18051 | AFLAC | $41 | $0 | $41 | 0.28% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $8 | — | $8 | 0.06% |
| IRENE E BROOKS3 | 101 COOPERS BEECH LN WOMELSDORF, PA 19567 | AFLAC | $7 | $0 | $7 | 0.05% |
| MATTHEW G BERGER3 | 22 SUNNY RIDGE DRIVE PHILADELPHIA, PA 19125 | AFLAC | $6 | $0 | $6 | 0.04% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $6 | $0 | $6 | 0.04% |
| DIANNE L MARTIN3 | 3605 VARTAN WAY HARRISBURG, PA 17110 | AFLAC | $6 | $0 | $6 | 0.04% |
| TRACY ANN ANDERSON3 | 2115 W MARKET ST POTTSVILLE, PA 17901 | AFLAC | $5 | $0 | $5 | 0.03% |
| MARK D BARBIER3 | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $5 | $0 | $5 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST, STE 3 PHILADELPHIA, PA 19106 | AFLAC | $2 | $0 | $2 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.01% |
| DIANNE L MARTIN3 | 125 MANOR ST. HARRISBURG, PA 17110 | AFLAC | $1 | $0 | $1 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | $0 | $1 | 0.01% |
| EDWARD FRANCIS KLINGES3 | 10 BLACKBURN LANE HAVERFORD, PA 19041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $663 | $993 | $2K | 23.83% |
| JENNIFER STONE3 | 1512 BOOK ROAD LANCASTER, PA 17602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | $16 | $569 | 8.19% |
| PATRICIA ANNE PRENDERGAST3 | 1385 BITTERSWEET LANE WEST CHESTER, PA 19380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | $67 | $311 | 4.47% |
| MARY JO MCWILLIAMS3 | 6 DARTMOUTH LANE HAVERFORD, PA 19041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $1 | $71 | 1.02% |
| LEITZ INSURANCE AGENCY LLC3 | 10 TRADITION CIRCLE EGG HARBOR TWP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $35 | $63 | 0.91% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.46% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.26% |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.20% |
| MERRIDITH STANTON3 | 456 LAKE COMO DR POMONA PARK, FL 32181 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 ADMINISTRATIVE | Claims processing Service code 12 | — | $0 |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $198K |
| Vision | HIGHMARK INC | 257 | $3K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $7K |
| Short-term disability | AFLAC | 23 | $14K |
| Other | AFLAC | 23 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.