| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RIGG DARLINGTON GROUP INC3 | 1436 PENN AVE WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.48% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.52% |
| THE RIGG DARLINGTON GROUP INC3 | 1436 PENN AVE WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.49% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| THE RIGG DARLINGTON GROUP INC3 | 1436 PENN AVE WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.49% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 5.00% |
| 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 | $5K | — | $5K | 28.20% |
| J D LUEDTKE INC3 | 313 4TH STREET HANOVER, PA 17331 | AFLAC | $266 | — | $266 | 2.64% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $199 | — | $199 | 1.97% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $143 | — | $143 | 1.42% |
| DAVID W BRANDT3 | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $107 | — | $107 | 1.06% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $86 | — | $86 | 0.85% |
| ROBIN L MACDONALD3 | 162 OAK ST. APT. 17 TAUNTON, MA 02780 | AFLAC | $66 | — | $66 | 0.65% |
| C H ROBINSON & ASSOCIATES INC3 | 4623 NW 53RD AVE STE 1A GAINESVILLE, FL 32653 | AFLAC | $58 | — | $58 | 0.58% |
| BRANDT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $57 | — | $57 | 0.57% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIRCLE ETTERS, PA 17319 | AFLAC | $52 | — | $52 | 0.52% |
| ROBERT LAROCHE JR3 | 451 WESTMORELAND LANE SAUNDERSTOWN, RI 02874 | AFLAC | $39 | — | $39 | 0.39% |
| PARENTE HR SERVICES LLC3 | 1200 ABINGTON EXECUTIVE PARK CLARKS SUMMIT, PA 18411 | AFLAC | $28 | — | $28 | 0.28% |
| C H ROBINSON & ASSOCIATES INC3 | 101 SE 2ND PL STE 201A GAINESVILLE, FL 32601 | AFLAC | $25 | — | $25 | 0.25% |
| DAVID C SWEIGARD3 | 2575E PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $23 | — | $23 | 0.23% |
| SHAW ASSOCIATES INC3 | 222 FORBES RD STE 100 BRAINTREE, MA 02184 | AFLAC | $18 | — | $18 | 0.18% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE STE 101 HARRISBURG, PA 17110 | AFLAC | $16 | — | $16 | 0.16% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $14 | — | $14 | 0.14% |
| DAVID C SWEIGARD3 | 283 VENETIAN BLVD SAINT AUGUSTINE, FL 32095 | AFLAC | $8 | — | $8 | 0.08% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $6 | — | $6 | 0.06% |
| TIMOTHY E MILLER3 | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $3 | — | $3 | 0.03% |
| IRENE E BROOKS3 | 833 NORTH PARK ROAD SUITE 220 READING, PA 19610 | AFLAC | $3 | — | $3 | 0.03% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $42 | — | $42 | 6.38% |
| DAVID W BRANDT3 | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $20 | — | $20 | 3.04% |
| BRANDT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $12 | — | $12 | 1.82% |
| TIMOTHY E MILLER3 | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $4 | — | $4 | 0.61% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $2 | — | $2 | 0.30% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | 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 | 200 | $28K |
| Vision | VISION BENEFITS OF AMERICA | 215 | $31K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $72K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $74K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $86K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.