| 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. | $26K | — | $26K | 3.17% |
| STANLEY HAROLD GREENE3 | 2443 NEWTOWN DR HARRISBURG, PA 17110 | AFLAC | $65 | — | $65 | 5.02% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $35 | — | $35 | 2.70% |
| SANFORD A STUCHELL3 | 35 CONOY AVE ELIZABETHTOWN, PA 17022 | AFLAC | $21 | — | $21 | 1.62% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $12 | — | $12 | 0.93% |
| MICHELLE L THOMAS BRANDT3 | 1135 PLEASANT GROVE RD RED LION, PA 17356 | AFLAC | $10 | — | $10 | 0.77% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $2 | — | $2 | 0.15% |
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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 51 | $830K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 53 | $40K |
| Vision | HIGHMARK INC. | 51 | $829K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $13K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $7K |
| Prescription drug | HIGHMARK INC. | 51 | $829K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.