| 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 | 3.83% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE EMMAUS, PA 180493026 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.13% |
| ROBERT R FRIEDMAN3 | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $2K | — | $2K | 7.01% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE EMMAUS, PA 18049 | AFLAC | $874 | — | $874 | 2.66% |
| GARY J BRENNAN II3 Filed as: GARY BRENNAN II | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $794 | $31 | $825 | 2.51% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $205 | $19 | $224 | 0.68% |
| LYNNE M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $205 | — | $205 | 0.62% |
| MAUREEN SUSAN FRIEDMAN3 | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $174 | — | $174 | 0.53% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR, STE A13 ALLENTOWN, PA 18106 | AFLAC | $126 | $3 | $129 | 0.39% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $104 | — | $104 | 0.32% |
| STEPHEN D BISSELL3 Filed as: STEPHEN BISSELL | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $52 | — | $52 | 0.16% |
| MONIQUE BRENNAN3 | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $37 | $12 | $49 | 0.15% |
| JAMES BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $49 | — | $49 | 0.15% |
| DANIEL R JUDY3 Filed as: DANIEL JUDY | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $32 | — | $32 | 0.10% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $22 | — | $22 | 0.07% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $22 | — | $22 | 0.07% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD PHILADEPHIA, PA 19125 | AFLAC | $20 | — | $20 | 0.06% |
| KENNETH L SCHNEER3 Filed as: KENNETH SCHNEER | 2937 W PENNSYLVANIA ST ALLENTOWN, PA 18104 | AFLAC | $20 | — | $20 | 0.06% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $17 | — | $17 | 0.05% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $14 | — | $14 | 0.04% |
| EILEEN EWING3 | 12 BLACK MATT RD DOUGLASSVILLE, PA 19518 | AFLAC | $13 | — | $13 | 0.04% |
| RYAN GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $11 | — | $11 | 0.03% |
| JOSEPH FACCHIANO3 | 1827 W TILGHMAN ST 2ND FLOOR ALLENTOWN, PA 18104 | AFLAC | $10 | — | $10 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $9 | — | $9 | 0.03% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $6 | — | $6 | 0.02% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $6 | — | $6 | 0.02% |
| RPM LTD3 | 25 WEATHERBY CIR SAVANNAH, GA 31405 | AFLAC | $5 | — | $5 | 0.02% |
| RONALD F WENTLING3 | 21 R DAVID DRIVE LEBANON, PA 17046 | AFLAC | $5 | — | $5 | 0.02% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 E PARK DR. SUITE 301 HARRISBURG, PA 17111 | AFLAC | $3 | — | $3 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY, APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | — | $3 | 0.01% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 E PARK DR, SUITE 301 HARRISBURG, PA 17111 | 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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 108 | $972K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 127 | $109K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 127 | $109K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 127 | $109K |
| Other | AFLAC | 50 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.