| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN BLUE BELL, PA 19422 | GEISINGER QUALITY OPTIONS, INC. | $42K | $8 | $42K | 1.77% |
| INSURANCE COALITION Filed as: INSURANCE COALITION INC | 417 WALNUT STREET HARRISBURG, PA 17101 | GEISINGER QUALITY OPTIONS, INC. | $35K | $0 | $35K | 1.45% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT STREET HARRISBURG, PA 17101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $0 | $37K | 7.00% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $187 | $187 | 0.42% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT STREET HARRISBURG, PA 17101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 27.18% |
| MICHAEL B ANDERSON3 Filed as: MICHAEL B. ANDERSON | 125 VINCENT STREET MIFFLINTOWN, PA 17059 | AFLAC | $2K | $0 | $2K | 6.62% |
| JEFFREY CHUBB3 Filed as: JEFFREY C. CHUBB | 349 WEST WALNUT TREE DRIVE BLANDON, PA 19510 | AFLAC | $497 | $0 | $497 | 1.76% |
| MJ INSURANCE3 Filed as: LOUIS J. CORADO JR & VARIOUS AGENTS | 212 YORK COTTAGE DRIVE HAINES CITY, FL 33844 | AFLAC | $293 | $0 | $293 | 1.04% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVENUE MONTOURSVILLE, PA 17754 | AFLAC | $251 | $0 | $251 | 0.89% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR | 2202 CROSS CREEK ROAD MACUNGIE, PA 18062 | AFLAC | $232 | $0 | $232 | 0.82% |
| FRED A REEDER3 Filed as: FRED A. REEDER | 109 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AFLAC | $228 | — | $228 | 0.81% |
| STEVEN DARDICK3 Filed as: STEVEN M. DARDICK | 1109 COUNTRY CLUB ROAD CAMP HILL, PA 17011 | AFLAC | $79 | $0 | $79 | 0.28% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE, INC. | 417 WALNUT STREET HARRISBURG, PA 17101 | NATIONAL VISION ADMINISTRATORS | $698 | $0 | $698 | 9.16% |
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. | 225 | $2.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 250 | $44K |
| Vision | NATIONAL VISION ADMINISTRATORS | 78 | $8K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $69K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 826 | $523K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 826 | $523K |
| Prescription drug | GEISINGER QUALITY OPTIONS, INC. | 225 | $2.4M |
| Other(4 contracts, 4 carriers) | GEISINGER QUALITY OPTIONS, INC. | 225 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.