| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREENWALD BERK AGENCY3 | 250 PIERCE STREET SUITE 311 KINGSTON, PA 18704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.54% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $14K | $21K | 16.36% |
| THE BENEFITS GROUP OF HAUDENSCHIELD3 Filed as: BENEFITS GROUP OF HAUDENSCHIELD | 27 JOHNSON ROAD CLARKS SUMMIT, PA 18411 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.75% |
| JOHN E JOHNSON3 | 1203 S MARKET STREET NANTICOKE, PA 18634 | AFLAC | $2K | $84 | $2K | 11.86% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $398 | $17 | $415 | 2.32% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $228 | $17 | $245 | 1.37% |
| KEVIN D NOLL3 | BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $106 | $0 | $106 | 0.59% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $71 | $17 | $88 | 0.49% |
| C A LUPP INC3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $87 | $0 | $87 | 0.49% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $72 | $0 | $72 | 0.40% |
| KENT E FOSTER3 | 3527 US HIGHWAY 52 DECORAH, IA 52101 | AFLAC | $71 | $0 | $71 | 0.40% |
| SEAN T JUDGE3 | 95 POPLAR ST KINSTON, PA 18704 | AFLAC | $66 | $0 | $66 | 0.37% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $58 | $0 | $58 | 0.32% |
| WILSON H TRANSUE3 | 1487 SULLIVAN TRL TANNERSVILLE, PA 18372 | AFLAC | $45 | $0 | $45 | 0.25% |
| CONSTANCE A TREIBLE3 | 128 WILLIAMS RD CRESCO, PA 18326 | AFLAC | $42 | $0 | $42 | 0.23% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $20 | $0 | $20 | 0.11% |
| JOSEPH G GRABLICK3 | 716 SUSQUEHANNA AVE WYOMING, PA 18644 | AFLAC | $18 | $0 | $18 | 0.10% |
| MARK L HUFHAND3 | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $16 | $0 | $16 | 0.09% |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $14 | $0 | $14 | 0.08% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $13 | $0 | $13 | 0.07% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $9 | $0 | $9 | 0.05% |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $5 | $0 | $5 | 0.03% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $4 | $0 | $4 | 0.02% |
| BARRY E DRASHER3 | 320 LEHIGH ST WHITE HAVEN, PA 18661 | AFLAC | $3 | $0 | $3 | 0.02% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $3 | $0 | $3 | 0.02% |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $0 | $0 | $0 | 0.00% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 27 | $18K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $168K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $168K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 454 | $253K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 454 | $253K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 454 | $126K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 454 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.