| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | GEISINGER QUALITY OPTIONS, INC. | $18K | — | $18K | 1.98% |
| GREENWALD BERK AGENCY3 | 250 PIERCE STREET SUITE 311 KINGSTON, PA 18704 | GEISINGER QUALITY OPTIONS, INC. | $14K | $30 | $14K | 1.53% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 250 PIERCE STREET SUITE 311 KINGSTON, PA 18704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.04% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 8.66% |
| C A LUPP INC3 Filed as: C. A. LUPP, INC. | 441 FRIENDSHIP RD, SUITE 102 HARRISBURG, PA 17111 | AFLAC | $5K | $333 | $5K | 8.79% |
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | AFLAC | $4K | — | $4K | 6.30% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, STE 304 HARRISBURG, PA 17110 | AFLAC | $838 | $65 | $903 | 1.52% |
| RYAN BARNES3 | 330 N. MAIN ST 17362 SPRING GROVE, PA 17362 | AFLAC | $473 | — | $473 | 0.80% |
| ELIZABETH BOHLENDER3 | 2069A RALEIGH ROAD HUMMELSTOWN, PA 17306 | AFLAC | $322 | — | $322 | 0.54% |
| JEFFREY CHUBB3 | 520 W. FOURTH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $162 | — | $162 | 0.27% |
| KENNETH STANFORD WARD3 | 1524 S. ALLISON STREET PHILADELPHIA, PA 19143 | AFLAC | $109 | $34 | $143 | 0.24% |
| SUSAN J CHUBB3 Filed as: SUSAN J. CHUBB | 520 W 4TH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $113 | — | $113 | 0.19% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $68 | — | $68 | 0.11% |
| SUSAN R MCSHERRY3 Filed as: SUSAN R. MCSHERRY | 1330 BRIARGATE DRIVE YORK, PA 17404 | AFLAC | $35 | $24 | $59 | 0.10% |
| BONCHER BENEFITS, INC.3 | 288 COLD SPRING DRIVE JIM THORPE, PA 18229 | AFLAC | $47 | — | $47 | 0.08% |
| STEPHEN G SCHULTZ3 Filed as: STEPHEN G. SCHULTZ | 264 LEONARD STREET BLOOMSBURG, PA 17815 | AFLAC | $43 | — | $43 | 0.07% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $42 | — | $42 | 0.07% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD SUITE 100 YORK, PA 17402 | AFLAC | $30 | — | $30 | 0.05% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY, JR. | 520 W. 4TH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $23 | — | $23 | 0.04% |
| DENNIS P HASTINGS3 Filed as: DENNIS HASTINGS | 5 STARLIN WAY LANGHORNE, PA 19047 | AFLAC | $9 | $11 | $20 | 0.03% |
| ADAM DANIEL LEVINE3 | 200 BUTLER AVE, STE 200 LANCASTER, PA 17601 | AFLAC | $17 | — | $17 | 0.03% |
| RYAN GOLDBERG3 | 103 CHURCH STREET, #3 PHILADELPHIA, PA 19106 | AFLAC | $12 | — | $12 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, PA 19106 | AFLAC | $12 | — | $12 | 0.02% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $12 | — | $12 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LEHIGH VALLEY INC | 3001 EMRICK BLVD SUITE 120 BETHLEHEM, PA 18020 | AFLAC | $12 | — | $12 | 0.02% |
| MATTHEW T OHANLON3 | 101 W. ELM ST SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $5 | $4 | $9 | 0.02% |
| MICHELLE K KELLY3 Filed as: MICHELLE KELLY | 267 E. BROADWAY, UNIT 37 RED LION, PA 17356 | AFLAC | $6 | — | $6 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 333 OVERLOOK LN GULP MILLS, PA 19428 | AFLAC | $6 | — | $6 | 0.01% |
| STEPHANIE J RITTNER3 Filed as: STEPHANIE J. RITTNER | 109 FONTAINE COURT MONROE TOWNSHIP, NJ 08831 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN E JOHNSON3 Filed as: JOHN E. JOHNSON | 1203 S. MARKET STREET NANTICOKE, PA 18634 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHANIE A CANFIELD3 Filed as: STEPHANIE CANFIELD | 101 W. ELM ST SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $1 | — | $1 | 0.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER QUALITY OPTIONS, INC. | 127 | $992K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $148K |
| Vision(2 contracts, 2 carriers) | AFLAC | 149 | $65K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $89K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $89K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.