| 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 | HIGHMARK INC. | $31K | — | $31K | 2.74% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LANE DOVER, PA 17315 | AFLAC | $579 | — | $579 | 6.85% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE ROAD GETTYSBURG, PA 17325 | AFLAC | $87 | — | $87 | 1.03% |
| BRANDT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $80 | — | $80 | 0.95% |
| JASON E FERGER3 | 3706 EAGLEWOOD STREET VALRICO, FL 33596 | AFLAC | $62 | — | $62 | 0.73% |
| SANFORD A STUCHELL3 | 35 CONOY AVE ELIZABETHTOWN, PA 17022 | AFLAC | $49 | — | $49 | 0.58% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $24 | — | $24 | 0.28% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $10 | — | $10 | 0.12% |
| RACHEL WARFEL3 Filed as: RACHEL M WARFEL | 2014 PATRIOT ST YORK, PA 17408 | AFLAC | $6 | — | $6 | 0.07% |
| JEFFREY R STAUFFER3 | 2190 CANTERBURY DRIVE MECHANICSBURG, PA 17055 | AFLAC | $5 | — | $5 | 0.06% |
| CONRAD M. SIEGEL, INC.3 Filed as: CONRAD SIEGEL INC. | 501 CORPORATE CIRCLE HARRISBURG, PA 17110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 4.12% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 113 | $1.1M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 108 | $68K |
| Vision | HIGHMARK INC. | 113 | $1.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $39K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $39K |
| Prescription drug | HIGHMARK INC. | 113 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.