| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH LENNERT3 | 820 WAFFORD LANDE BETHLEHAM, PA 18017 | HIGHMARK INC. | $30K | — | $30K | 1.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 300 SUMMERS STREET STE 650 CHARLESTON, WV 25301 | HIGHMARK INC. | $15K | — | $15K | 0.90% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $562 | $7K | 8.44% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETWON RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $357 | $357 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36 | $36 | 0.04% |
| BETHANY L ANDERSON3 | P.O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $86 | — | $86 | 5.60% |
| MUNCIE ALAN RUSSELL3 Filed as: MUNCIE RUSSELL | 1829 SENATE STREET APT 8D COLUMBIA, SC 29201 | AFLAC | $41 | — | $41 | 2.67% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK ROAD MACUNGIE, PA 18062 | AFLAC | $17 | — | $17 | 1.11% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LANE LEAD, SD 57754 | AFLAC | $17 | — | $17 | 1.11% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DRIVE ALLENTOWN, PA 18103 | AFLAC | $14 | — | $14 | 0.91% |
| ADAM DANIEL LEVINE3 Filed as: ADAM LEVINE | 2352 SLATER HILL LN E YORK, PA 17406 | AFLAC | $14 | — | $14 | 0.91% |
| JULIE ENTERLINE3 | 706 KOSER RD LANCASTER, PA 17601 | AFLAC | $14 | — | $14 | 0.91% |
| FREDERICK K LEDERER3 | 4 ARCADIA DRIVE MANCHESTER, NJ 08759 | AFLAC | $8 | — | $8 | 0.52% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $7 | — | $7 | 0.46% |
| MICHAEL S CHILLE3 | 6760 VALHALLA WAY WINDERMERE, FL 34786 | AFLAC | $4 | — | $4 | 0.26% |
| KEVIN CMINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $1 | — | $1 | 0.07% |
| BETHANY L ANDERSON3 | P.O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $58 | — | $58 | 5.63% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $38 | — | $38 | 3.69% |
| JACQUELINE EBERZ3 Filed as: JACQUELINE M EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $20 | — | $20 | 1.94% |
| QUENTIN C KENT3 | P.O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $14 | — | $14 | 1.36% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $8 | — | $8 | 0.78% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.10% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.10% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.10% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.10% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 131 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $85K |
| Prescription drug | HIGHMARK INC. | 131 | $1.7M |
| Other(2 contracts) | AFLAC | 4 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.