| 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 | $39K | — | $39K | 4.02% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE EMMAUS, PA 180493026 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 9.27% |
| ROBERT R FRIEDMAN3 | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $2K | $181 | $3K | 7.40% |
| GARY J BRENNAN II3 Filed as: GARY BRENNAN II | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $849 | $36 | $885 | 2.56% |
| THE EQUINOX AGENCY LLC3 | 1275 GLENLIVET DR STE 145 ALLENTOWN, PA 18106 | AFLAC | $481 | — | $481 | 1.39% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $311 | $36 | $347 | 1.00% |
| MONIQUE BRENNAN3 | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $245 | — | $245 | 0.71% |
| LYNNE M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $205 | — | $205 | 0.59% |
| MAUREEN SUSAN FRIEDMAN3 | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $193 | — | $193 | 0.56% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $104 | — | $104 | 0.30% |
| STEPHEN D BISSELL3 Filed as: STEPHEN BISSELL | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $61 | — | $61 | 0.18% |
| JAMES BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $49 | — | $49 | 0.14% |
| DANIEL R JUDY3 Filed as: DANIEL JUDY | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $32 | — | $32 | 0.09% |
| JOSEPH FACCHIANO3 | 1827 W TILGHMAN ST 2ND FLOOR ALLENTOWN, PA 18104 | AFLAC | $30 | — | $30 | 0.09% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD PHILADEPHIA, PA 19125 | AFLAC | $28 | — | $28 | 0.08% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $23 | — | $23 | 0.07% |
| KENNETH L SCHNEER3 Filed as: KENNETH SCHNEER | 2937 W PENNSYLVANIA ST ALLENTOWN, PA 18104 | AFLAC | $20 | — | $20 | 0.06% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $19 | — | $19 | 0.05% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $17 | — | $17 | 0.05% |
| RYAN GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $16 | — | $16 | 0.05% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $13 | — | $13 | 0.04% |
| EILEEN EWING3 | 12 BLACK MATT RD DOUGLASSVILLE, PA 19518 | AFLAC | $13 | — | $13 | 0.04% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $12 | — | $12 | 0.03% |
| RPM LTD3 | 25 WEATHERBY CIR SAVANNAH, GA 31405 | AFLAC | $5 | — | $5 | 0.01% |
| RONALD F WENTLING3 | 21 R DAVID DRIVE LEBANON, PA 17046 | AFLAC | $5 | — | $5 | 0.01% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 E PARK DR. SUITE 301 HARRISBURG, PA 17111 | AFLAC | $4 | — | $4 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $4 | — | $4 | 0.01% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.01% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 111 | $963K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $125K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $125K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $125K |
| Other | AFLAC | 46 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.