| 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 | $28K | — | $28K | 2.35% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LANE DOVER, PA 17315 | AFLAC | $162 | — | $162 | 5.78% |
| SANFORD A STUCHELL3 | 35 CONOY AVE ELIZABETHTOWN, PA 17022 | AFLAC | $48 | — | $48 | 1.71% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE ROAD GETTYSBURG, PA 17325 | AFLAC | $43 | — | $43 | 1.53% |
| BRANDT INC3 | 360 LOUCKS RD STE 305 YORK, PA 17404 | AFLAC | $23 | — | $23 | 0.82% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $22 | — | $22 | 0.79% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $8 | — | $8 | 0.29% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $5 | — | $5 | 0.18% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $3 | — | $3 | 0.11% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $3 | — | $3 | 0.11% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $2 | — | $2 | 0.07% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 88 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 89 | $69K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 88 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $10K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 88 | $1.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 108 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.