| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE COALITION3 Filed as: INSURANCE COALITION INC | 417 WALNUT STREET HARRISBURG, PA 17101 | GEISINGER QUALITY OPTIONS, INC. | $62K | $0 | $62K | 3.00% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE INC. | 417 WALNUT STREET HARRISBURG, PA 17110 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 26.85% |
| MICHAEL B ANDERSON3 Filed as: MICHAEL B. ANDERSON | 125 VINCENT STREET MIFFLINTOWN, PA 17059 | AFLAC | $2K | $16 | $2K | 5.33% |
| JEFFREY CHUBB3 Filed as: JEFFREY C. CHUBB | 349 WEST WALNUT TREE DRIVE BLANDON, PA 19510 | AFLAC | $635 | $0 | $635 | 1.83% |
| MJ INSURANCE3 Filed as: ROBERT ANDERSON & VARIOUS AGENTS | 13710 GENERAL GEARY COURT FREDERICKSBURG, VA 22407 | AFLAC | $458 | $0 | $458 | 1.32% |
| FRED A REEDER3 Filed as: FRED A . REEDER | 109 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AFLAC | $297 | $0 | $297 | 0.86% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVENUE MONTOURSVILLE, PA 17754 | AFLAC | $166 | $4 | $170 | 0.49% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR | 1150 GLENLIVET DRIVE, SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $136 | $4 | $140 | 0.40% |
| STEVEN DARDICK3 Filed as: STEVEN M. DARDICK | 1109 COUNTRY CLUB ROAD CAMP HILL, PA 17011 | AFLAC | $99 | $0 | $99 | 0.29% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE INC. | 417 WALNUT STREET HARRISBURG, PA 17110 | NATIONAL VISION ADMINISTRATORS | $547 | $0 | $547 | 7.34% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER QUALITY OPTIONS, INC. | 216 | $2.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 244 | $36K |
| Vision | NATIONAL VISION ADMINISTRATORS | 69 | $7K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $68K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 31 | $40K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 31 | $40K |
| Prescription drug | GEISINGER QUALITY OPTIONS, INC. | 216 | $2.1M |
| Other(3 contracts, 3 carriers) | AFLAC | 178 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.