| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREENWALD BERK AGENCY3 | 250 PIERCE ST., STE. 311 KINGSTON, PA 18704 | GEISINGER HEALTH PLAN | $31K | $30 | $31K | 3.18% |
| 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 | $3K | $11K | 13.36% |
| C A LUPP INC3 Filed as: C. A. LUPP, INC. | 5010 E TRINDLE RD., STE. 201 HARRISBURG, PA 17111 | AFLAC | $4K | $224 | $4K | 7.85% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | AFLAC | $1K | — | $1K | 2.79% |
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE ST. LANCASTER, PA 17602 | AFLAC | $1K | — | $1K | 2.16% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, STE. 304 HARRISBURG, PA 17110 | AFLAC | $767 | $61 | $828 | 1.68% |
| ETHAN TRAE JOHNSON3 | 4477 YORK RD., APT. B NEW OXFORD, PA 17350 | AFLAC | $484 | $87 | $571 | 1.16% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR. BLANDON, PA 19510 | AFLAC | $174 | — | $174 | 0.35% |
| RYAN BARNES3 | 330 N. MAIN ST SPRING GROVE, PA 17362 | AFLAC | $108 | $42 | $150 | 0.30% |
| SUSAN J CHUBB3 Filed as: SUSAN J. CHUBB | 349 W WALNUT TREE DR. BLANDON, PA 19510 | AFLAC | $136 | — | $136 | 0.28% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE RD. PHILADELPHIA, PA 19125 | AFLAC | $66 | — | $66 | 0.13% |
| JOSHUA D BUCHER3 | 100 E BROOKFIELD DR. LEBANON, PA 17045 | AFLAC | $43 | $10 | $53 | 0.11% |
| BONCHER BENEFITS, INC.3 | 288 COLD SPRING DR. JIM THORPE, PA 18229 | AFLAC | $28 | — | $28 | 0.06% |
| STEPHEN G SCHULTZ3 Filed as: STEPHEN G. SCHULTZ | 231 S 3RD ST. CATAWISSA, PA 19125 | AFLAC | $27 | — | $27 | 0.05% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DR. LAURYS STATION, PA 18059 | AFLAC | $25 | — | $25 | 0.05% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY, JR. | 2202 CROSS CREEK RD. MACUNGIE, PA 19143 | AFLAC | $20 | — | $20 | 0.04% |
| ELIZABETH BOHLENDER3 | 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 | 30 WATERFRONT WAY HAMMONTON, PA 19106 | AFLAC | $11 | — | $11 | 0.02% |
| DARREN RIDDLE3 | 7850 AVONDALE TER. HARRISBURG, PA 17112 | AFLAC | $11 | — | $11 | 0.02% |
| RYAN GOLDBERG3 | 103 CHURCH ST., #3 PHILADELPHIA, PA 19106 | AFLAC | $10 | — | $10 | 0.02% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY, APT. 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $9 | — | $9 | 0.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | HIGHMARK | $471 | — | $471 | 5.90% |
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 | 117 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 132 | $978K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $85K |
| Vision | HIGHMARK | 147 | $8K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $135K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $85K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.