| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.37% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 0.02% |
| THE RIGG DARLINGTON GROUP INC3 | 1436 PENN AVE WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| THE RIGG DARLINGTON GROUP INC3 | 1436 PENN AVE WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| THE RIGG DARLINGTON GROUP INC3 | 1436 PENN AVE WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| JOHN LUEDTKE3 Filed as: JOHN D LUEDTKE | 313 4TH ST HANOVER, PA 17331 | AFLAC | $259 | — | $259 | 2.56% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE STE 101 HARRISBURG, PA 17110 | AFLAC | $166 | — | $166 | 1.64% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOCIATES LLC | 101 SE 2ND PL STE 201 GAINESVILLE, FL 32601 | AFLAC | $164 | — | $164 | 1.62% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $149 | — | $149 | 1.47% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $82 | — | $82 | 0.81% |
| ROBIN L MACDONALD3 | 162 OAK STREET #17 TAUNTON, MA 02780 | AFLAC | $60 | — | $60 | 0.59% |
| PARENTE HR SERVICES LLC3 | 1200 ABINGTON EXECUTIVE PARK CLARKS SUMMIT, PA 18411 | AFLAC | $49 | — | $49 | 0.48% |
| DAVID W BRANDT3 | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $49 | — | $49 | 0.48% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PA 17319 | AFLAC | $47 | — | $47 | 0.46% |
| BRANDT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $43 | — | $43 | 0.43% |
| ROBERT LAROCHE JR3 | 451 WESTMORELAND LANE SAUNDERSTOWN, RI 02874 | AFLAC | $35 | — | $35 | 0.35% |
| DAVID W BRANDT3 | 1135 PLEASANT GROVE ROAD RED LION, PA 17356 | AFLAC | $33 | — | $33 | 0.33% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $20 | — | $20 | 0.20% |
| DAVID C SWEIGARD3 | 283 VENETIAN BLVD SAINT AUGUSTINE, FL 32095 | AFLAC | $17 | — | $17 | 0.17% |
| SHAW ASSOCIATES INC3 | 222 FORBES ROAD SUITE 100 BRAINTREE, MA 02184 | AFLAC | $16 | — | $16 | 0.16% |
| DAVID C SWEIGARD3 | 1930 FORBES RD SAINT AUGUSTINE, FL 32092 | AFLAC | $11 | — | $11 | 0.11% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $6 | — | $6 | 0.06% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $86 | — | $86 | 6.09% |
| DAVID W BRANDT3 | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $24 | — | $24 | 1.70% |
| BRANDT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $24 | — | $24 | 1.70% |
| DAVID W BRANDT3 | 1135 PLEASANT GROVE ROAD RED LION, PA 17356 | AFLAC | $18 | — | $18 | 1.27% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $9 | — | $9 | 0.64% |
| TIMOTHY E MILLER3 | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $6 | — | $6 | 0.42% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $1 | — | $1 | 0.07% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | 0.07% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $136K |
| Vision | VISION BENEFITS OF AMERICA | 184 | $25K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $66K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $68K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $79K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.