| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 1275 GLENLIVET DRIVE, SUITE 145 ALLENTOWN, PA 18106 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $37K | — | $37K | 3.33% |
| STEVEN C BOUCHARD3 | 550 E SWEDESFORD RD, SUITE 140 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 7.85% |
| THE EQUINOX AGENCY LLC3 | 1275 GLENLIVET DR STE 145 ALLENTOWN, PA 18106 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.54% |
| ROBERT R FRIEDMAN3 | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $2K | — | $2K | 6.57% |
| GARY J BRENNAN II3 | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $1K | $52 | $1K | 3.27% |
| ROBERT R FRIEDMAN3 | 5095 CORNERSTONE ROAD WESCOSVILLE, PA 18106 | AFLAC | $970 | $220 | $1K | 3.24% |
| THE EQUINOX AGENCY LLC3 | 1275 GLENLIVET DR STE 340 ALLENTOWN, PA 18106 | AFLAC | $778 | — | $778 | 2.12% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE STE 310 ALLENTOWN, PA 18106 | AFLAC | $622 | $52 | $674 | 1.83% |
| LYNNE M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $188 | — | $188 | 0.51% |
| MAUREEN SUSAN FRIEDMAN3 | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $185 | — | $185 | 0.50% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $96 | — | $96 | 0.26% |
| JOSEPH FACCHIANO3 | 3140 W TILGHMAN ST PMB 156 ALLENTOWN, PA 18104 | AFLAC | $29 | $41 | $70 | 0.19% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $60 | — | $60 | 0.16% |
| JAMES ELDER BROOKS3 | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | AFLAC | $45 | — | $45 | 0.12% |
| JOSEPH FACCHIANO3 | 1827 W TILGHMAN ST 2ND FLOOR ALLENTOWN, PA 18104 | AFLAC | $34 | — | $34 | 0.09% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $29 | — | $29 | 0.08% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADEPHIA, PA 19125 | AFLAC | $27 | — | $27 | 0.07% |
| KENNETH L SCHNEER3 | 2937 W PENNSYLVANIA ST ALLENTOWN, PA 18104 | AFLAC | $19 | — | $19 | 0.05% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $18 | — | $18 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $17 | — | $17 | 0.05% |
| EILEEN EWING3 | 12 BLACK MATT RD DOUGLASSVILLE, PA 19518 | AFLAC | $12 | — | $12 | 0.03% |
| IRENE E BROOKS3 | 833 NORTH PARK ROAD SUITE 220 READING, PA 19610 | AFLAC | $6 | — | $6 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $6 | — | $6 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.01% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $4 | — | $4 | 0.01% |
| RONALD F WENTLING3 | 21 R DAVID DRIVE LEBANON, PA 17046 | AFLAC | $4 | — | $4 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $4 | — | $4 | 0.01% |
| MG BERGER INC3 | 1020 DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $3 | — | $3 | 0.01% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.00% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $1 | — | $1 | 0.00% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 119 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $121K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $121K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $121K |
| Other | AFLAC | 52 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.