| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.85% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR. | 5106 TIMBER LANE SCHNECKVILLE, PA 18078 | AFLAC | $103 | $0 | $103 | 7.05% |
| KYMBERLY G KNOTT3 Filed as: KYMBERLY G. KNOTT | 24040 GREEN GARDENS COURT EUSTIS, FL 32736 | AFLAC | $26 | $0 | $26 | 1.78% |
| WILLIAM M KNOTT3 Filed as: WILLIAM M. KNOTT | 24040 GREEN GARDENS COURT EUSTIS, FL 32736 | AFLAC | $13 | $0 | $13 | 0.89% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL AND OTHER AGENTS | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $11 | $0 | $11 | 0.75% |
| DELMAS R BUTLER JR3 Filed as: DELMAS R. BUTLER JR. | 46 SOUTH TULPEHOCKEN STREET PINE GROVE, PA 17963 | AFLAC | $7 | $0 | $7 | 0.48% |
| JOHN B LACARIA3 Filed as: JOHN B. LACARIA | 102 JENNIFER LANE BRIDGEPORT, WV 26330 | AFLAC | $6 | $0 | $6 | 0.41% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $4 | $0 | $4 | 0.27% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 266 | $1.7M |
| Vision | HEARTLAND | 316 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $55K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $55K |
| Prescription drug | HIGHMARK INC. | 266 | $1.7M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.