| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | GEISINGER HEALTH PLAN | $17K | — | $17K | 3.00% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 14.67% |
| ECKELS ASSOCIATES LLC3 Filed as: ECKELS ASSOCIATES, LLC | 954 RIDGEBROOK ROAD SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.04% |
| C A LUPP INC3 Filed as: C. A. LUPP, INC. | 441 FRIENDSHIP RD, SUITE 102 HARRISBURG, PA 17111 | AFLAC | $4K | $237 | $5K | 11.71% |
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | AFLAC | $3K | — | $3K | 8.33% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, STE 304 HARRISBURG, PA 17110 | AFLAC | $616 | $71 | $687 | 1.73% |
| MICHELLE K KELLY3 Filed as: MICHELLE KELLY | 267 E. BROADWAY, UNIT 37 RED LION, PA 17356 | AFLAC | $246 | — | $246 | 0.62% |
| JEFFREY CHUBB3 | 520 W. FOURTH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $176 | — | $176 | 0.44% |
| ELIZABETH BOHLENDER3 | 2069A RALEIGH ROAD HUMMELSTOWN, PA 17306 | AFLAC | $81 | $58 | $139 | 0.35% |
| STEPHEN G SCHULTZ3 Filed as: STEPHEN G. SCHULTZ | 264 LEONARD STREET BLOOMSBURG, PA 17815 | AFLAC | $86 | — | $86 | 0.22% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $82 | — | $82 | 0.21% |
| BONCHER BENEFITS, INC.3 | 288 COLD SPRING DRIVE JIM THORPE, PA 18229 | AFLAC | $64 | — | $64 | 0.16% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $57 | — | $57 | 0.14% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY, JR. | 520 W. 4TH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $53 | — | $53 | 0.13% |
| SUSAN J CHUBB3 Filed as: SUSAN J. CHUBB | 520 W 4TH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $48 | — | $48 | 0.12% |
| ADAM DANIEL LEVINE3 | 200 BUTLER AVE, STE 200 LANCASTER, PA 17601 | AFLAC | $45 | — | $45 | 0.11% |
| MICHAEL HOFFACKER3 | 175 N. HICKORY LN NEW OXFORD, PA 17350 | AFLAC | $29 | — | $29 | 0.07% |
| JOHN E JOHNSON3 Filed as: JOHN E. JOHNSON | 1203 S. MARKET STREET NANTICOKE, PA 18634 | AFLAC | $27 | — | $27 | 0.07% |
| SCOTT CRAY3 | 7849 MANADA COURT HARRISBURG, PA 17112 | AFLAC | $15 | — | $15 | 0.04% |
| RYAN GOLDBERG3 | 103 CHURCH STREET, #3 PHILADELPHIA, PA 19106 | AFLAC | $15 | — | $15 | 0.04% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, PA 19106 | AFLAC | $15 | — | $15 | 0.04% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $15 | — | $15 | 0.04% |
| STEPHANIE J RITTNER3 Filed as: STEPHANIE J. RITTNER | 109 FONTAINE COURT MONROE TOWNSHIP, NJ 08831 | AFLAC | $13 | — | $13 | 0.03% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 333 OVERLOOK LN GULP MILLS, PA 19428 | AFLAC | $8 | — | $8 | 0.02% |
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. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 62 | $610K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $107K |
| Vision(2 contracts, 2 carriers) | AFLAC | 141 | $47K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $68K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $68K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.