| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | HIGHMARK INC. | $48K | — | $48K | 2.81% |
| BETHANY L ANDERSON3 | P.O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $93 | — | $93 | 5.10% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $32 | — | $32 | 1.76% |
| QUENTIN C KENT3 | P.O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $31 | — | $31 | 1.70% |
| JEFFREY C GRIM3 | 4700 DUNHAM DRIVE READING, PA 19606 | AFLAC | $19 | — | $19 | 1.04% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $18 | — | $18 | 0.99% |
| JACQUELINE M EBERZ3 | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $16 | — | $16 | 0.88% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $6 | — | $6 | 0.33% |
| IRENE E BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $2 | — | $2 | 0.11% |
| MARK D BARBIER3 | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $1 | — | $1 | 0.05% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.05% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.05% |
| RYAN GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.05% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.05% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | 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) | HIGHMARK INC. | 270 | $1.7M |
| Prescription drug | HIGHMARK INC. | 270 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 50 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.