| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREENWALD BERK AGENCY3 | 250 PIERCE ST., STE. 311 KINGSTON, PA 18704 | GEISINGER HEALTH PLAN | $33K | $30 | $33K | 2.53% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 11.48% |
| C A LUPP INC3 Filed as: CA LUPP, INC. | 805 BUTLER DR. MIDDLETOWN, PA 17057 | AFLAC | $3K | $135 | $3K | 6.09% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | AFLAC | $1K | — | $1K | 2.24% |
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE ST. LANCASTER, PA 17602 | AFLAC | $968 | — | $968 | 1.97% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 800 CORPORATE CIR., STE. 103 HARRISBURG, PA 17110 | AFLAC | $488 | $37 | $525 | 1.07% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR. BLANDON, PA 19510 | AFLAC | $491 | — | $491 | 1.00% |
| ETHAN TRAE JOHNSON3 | 4477 YORK RD., APT. B NEW OXFORD, PA 17350 | AFLAC | $58 | $105 | $163 | 0.33% |
| SUSAN J CHUBB3 Filed as: SUSAN J. CHUBB | 349 W WALNUT TREE DR. BLANDON, PA 19510 | AFLAC | $133 | — | $133 | 0.27% |
| JUSTIN P ABRAHAM3 Filed as: JUSTIN P. ABRAHAM | 3841 HIGHPOINT DR. ALLENTOWN, PA 18103 | AFLAC | $126 | — | $126 | 0.26% |
| RYAN BARNES3 | 639 S WASHINGTON ST. GETTYSBURG, PA 17325 | AFLAC | $65 | — | $65 | 0.13% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 203 HAVERFORD AVE., #205 NARBERTH, PA 19072 | AFLAC | $60 | — | $60 | 0.12% |
| BONCHER BENEFITS, INC.3 | 288 COLD SPRING DR. JIM THORPE, PA 18229 | AFLAC | $28 | — | $28 | 0.06% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DR. LAURYS STATION, PA 18059 | AFLAC | $25 | — | $25 | 0.05% |
| STEPHEN G SCHULTZ3 Filed as: STEPHEN G. SCHULTZ | 231 S 3RD ST. CATAWISSA, PA 19125 | AFLAC | $22 | — | $22 | 0.04% |
| JOSHUA D BUCHER3 Filed as: JOSHUA D. BUCHER | 100 E BROOKFIELD DR. LEBANON, PA 17045 | AFLAC | $20 | — | $20 | 0.04% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 2202 CROSS CREEK RD. MACUNGIE, PA 19143 | AFLAC | $18 | — | $18 | 0.04% |
| ELIZABETH BOHLENDER3 Filed as: ELIZABETH F. BOHLENDER | 2069A RALEIGH RD. HUMMELSTOWN, PA 17306 | AFLAC | $15 | — | $15 | 0.03% |
| SUSAN R MCSHERRY3 Filed as: SUSAN R. MCSHERRY | 123 CHATUGA DR. LOUDON, TN 37774 | AFLAC | $11 | — | $11 | 0.02% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, PA 19106 | AFLAC | $10 | — | $10 | 0.02% |
| DARREN D RIDDLE3 Filed as: DARREN D. RIDDLE | 7850 AVONDALE TER. HARRISBURG, PA 17112 | AFLAC | $10 | — | $10 | 0.02% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | 103 CHURCH ST., #3 PHILADELPHIA, PA 19106 | AFLAC | $9 | — | $9 | 0.02% |
| MARTIN E BYSTROM3 Filed as: MARTIN E. BYSTROM | 253 MINORCA BEACH WAY, APT. 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $8 | — | $8 | 0.02% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK INC. | $491 | — | $491 | 6.01% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 127 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $85K |
| Vision | HIGHMARK INC. | 147 | $8K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $134K |
| Short-term disability | AFLAC | 56 | $49K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $85K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.