| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL PENN INSURANCE SERVICES3 | DBA HIGGINS INSURANCE 115 S CENTRE ST POTTSVILLE, PA 17901 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.90% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $192 | $0 | $192 | 6.03% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $44 | $0 | $44 | 1.38% |
| KYMBERLY G KNOTT3 | 35606 GREEN FOREST DR EUSTIS, FL 32736 | AFLAC | $27 | $0 | $27 | 0.85% |
| JAMES ELDER BROOKS3 | 1253 W LEESPORT RD LEESPORT, PA 19533 | AFLAC | $21 | $0 | $21 | 0.66% |
| WILLIAM M KNOTT3 | 35606 GREEN FOREST DR EUSTIS, FL 32736 | AFLAC | $14 | $0 | $14 | 0.44% |
| JOHN B LACARIA3 | 102 JENNIFER LANE BRIDGEPORT, WV 26330 | AFLAC | $7 | $0 | $7 | 0.22% |
| ZORN BENEFITS GROUP LLC3 | 60 US HIGHWAY 46 AFLAC OFFICE FAIRFIELD, NJ 07004 | AFLAC | $7 | $0 | $7 | 0.22% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $4 | $0 | $4 | 0.13% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $4 | $0 | $4 | 0.13% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $3 | $0 | $3 | 0.09% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $3 | $0 | $3 | 0.09% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $2 | $0 | $2 | 0.06% |
| RANDALL SIMS3 Filed as: RANDALL SIMMS | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | $0 | $2 | 0.06% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $1 | $0 | $1 | 0.03% |
| MATTHEW G BERGER3 | 2 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $1 | $0 | $1 | 0.03% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $1 | $0 | $1 | 0.03% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 98 | $1.2M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 259 | $9K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $41K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $41K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $41K |
| Prescription drug | HIGHMARK | 98 | $1.2M |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 154 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.