| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONRAD M. SIEGEL, INC.3 Filed as: CONRAD SIEGEL INC. | 501 CORPORATE CIRCLE HARRISBURG, PA 17110 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $17K | — | $17K | 2.44% |
| STANLEY HAROLD GREENE3 | 2443 NEWTOWN DR HARRISBURG, PA 17110 | AFLAC | $812 | — | $812 | 26.70% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE CT MECHANICSBURG, PA 17050 | AFLAC | $146 | — | $146 | 4.80% |
| ANTHONY S ALMODOVAR3 | 800 CORPORATE CIR STE 103 HARRISBURG, PA 17110 | AFLAC | $107 | — | $107 | 3.52% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $32 | — | $32 | 1.05% |
| SANFORD A STUCHELL3 | 35 CONOY AVE ELIZABETHTOWN, PA 17022 | AFLAC | $20 | — | $20 | 0.66% |
| MICHELLE L THOMAS BRANDT3 Filed as: MICHELLE LYNN THOMAS | 1135 PLEASANT GROVE RD RED LION, PA 17356 | AFLAC | $9 | — | $9 | 0.30% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $1 | — | $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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 47 | $690K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 49 | $31K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 47 | $687K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 71 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 71 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 71 | $6K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 47 | $687K |
| Other(2 contracts, 2 carriers) | AFLAC | 71 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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."
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.