| 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. | $33K | — | $33K | 1.78% |
| JOSEPH LENNERT3 | 820 WAFFORD LANDE BETHLEHAM, PA 18017 | HIGHMARK INC. | $15K | — | $15K | 0.81% |
| BETHANY L ANDERSON3 | P.O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $742 | $52 | $794 | 18.40% |
| JUSTIN P ABRAHAM3 Filed as: JUSTIN P ABRAHMA | 3841 HIGHPOINT DRIVE ALLENTOWN, PA 18103 | AFLAC | $189 | $9 | $198 | 4.59% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK ROAD MACUNGIE, PA 18062 | AFLAC | $133 | $12 | $145 | 3.36% |
| MUNCIE ALAN RUSSELL3 | 1829 SENATE STREET APT 8D COLUMBIA, SC 29201 | AFLAC | $37 | — | $37 | 0.86% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LANE LEAD, SD 57754 | AFLAC | $32 | $4 | $36 | 0.83% |
| BETHANY L ANDERSON3 | P.O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $102 | — | $102 | 5.27% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $38 | — | $38 | 1.96% |
| QUENTIN C KENT3 | P.O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $33 | — | $33 | 1.71% |
| JACQUELINE M EBERZ3 | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $20 | — | $20 | 1.03% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $18 | — | $18 | 0.93% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 257 | $1.8M |
| Prescription drug | HIGHMARK INC. | 257 | $1.8M |
| Other(3 contracts, 2 carriers) | AFLAC | 114 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.