| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | GEISINGER HEALTH PLAN | $19K | — | $19K | 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 | $7K | $1K | $8K | 11.48% |
| C A LUPP INC3 Filed as: C. A. LUPP, INC. | 441 FRIENDSHIP RD, SUITE 102 HARRISBURG, PA 17111 | AFLAC | $6K | $520 | $7K | 11.23% |
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | AFLAC | $4K | — | $4K | 7.33% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, STE 304 HARRISBURG, PA 17110 | AFLAC | $971 | $116 | $1K | 1.84% |
| KENNETH STANFORD WARD3 | 1524 S. ALLISON STREET PHILADELPHIA, PA 19143 | AFLAC | $696 | — | $696 | 1.18% |
| SUSAN R MCSHERRY3 Filed as: SUSAN R. MCSHERRY | 1330 BRIARGATE DRIVE YORK, PA 17404 | AFLAC | $298 | — | $298 | 0.51% |
| JEFFREY CHUBB3 | 520 W. FOURTH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $167 | — | $167 | 0.28% |
| SUSAN J CHUBB3 Filed as: SUSAN J. CHUBB | 520 W 4TH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $88 | — | $88 | 0.15% |
| ELIZABETH BOHLENDER3 | 2069A RALEIGH ROAD HUMMELSTOWN, PA 17306 | AFLAC | $68 | $16 | $84 | 0.14% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $74 | — | $74 | 0.13% |
| BONCHER BENEFITS, INC.3 | 288 COLD SPRING DRIVE JIM THORPE, PA 18229 | AFLAC | $63 | — | $63 | 0.11% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $57 | — | $57 | 0.10% |
| STEPHEN G SCHULTZ3 Filed as: STEPHEN G. SCHULTZ | 264 LEONARD STREET BLOOMSBURG, PA 17815 | AFLAC | $55 | — | $55 | 0.09% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY, JR. | 520 W. 4TH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $38 | — | $38 | 0.06% |
| ADAM DANIEL LEVINE3 | 200 BUTLER AVE, STE 200 LANCASTER, PA 17601 | AFLAC | $24 | — | $24 | 0.04% |
| JOHN E JOHNSON3 Filed as: JOHN E. JOHNSON | 1203 S. MARKET STREET NANTICOKE, PA 18634 | AFLAC | $14 | — | $14 | 0.02% |
| RYAN GOLDBERG3 | 103 CHURCH STREET, #3 PHILADELPHIA, PA 19106 | AFLAC | $13 | — | $13 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, PA 19106 | AFLAC | $13 | — | $13 | 0.02% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $13 | — | $13 | 0.02% |
| STEPHANIE J RITTNER3 Filed as: STEPHANIE J. RITTNER | 109 FONTAINE COURT MONROE TOWNSHIP, NJ 08831 | AFLAC | $7 | — | $7 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 333 OVERLOOK LN GULP MILLS, PA 19428 | AFLAC | $7 | — | $7 | 0.01% |
| MICHELLE K KELLY3 Filed as: MICHELLE KELLY | 267 E. BROADWAY, UNIT 37 RED LION, PA 17356 | AFLAC | $6 | — | $6 | 0.01% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 97 | $688K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $131K |
| Vision(2 contracts, 2 carriers) | AFLAC | 123 | $66K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $72K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $72K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.