| 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 | 4.77% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $13K | $13K | 11.00% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP | 27 JOHNSON ROAD CLARKS SUMMIT, PA 18411 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| TAYLOR RYAN SCHAIBLE3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| WILLIAM O DAGGETT JR3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.00% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP | 27 JOHNSON ROAD CLARKS SUMMIT, PA 18411 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 6.88% |
| GREENWALD BERK AGENCY3 | 250 PIERCE STREET SUITE 311 KINGSTON, PA 18704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.26% |
| JOHN E JOHNSON3 | 1203 S MARKET STREET NANTICOKE, PA 18634 | AFLAC | $1K | $0 | $1K | 7.34% |
| JOHN E JOHNSON3 | 1203 MARKET ST NANTICOKE, PA 18634 | AFLAC | $239 | $0 | $239 | 1.55% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $183 | $0 | $183 | 1.19% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $156 | $0 | $156 | 1.01% |
| NORTH EAST EMPIRE INC3 | 8 W BROAD ST STE 720 HAZLETON, PA 18201 | AFLAC | $90 | $0 | $90 | 0.58% |
| C A LUPP INC3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $74 | $0 | $74 | 0.48% |
| KEVIN D NOLL3 | BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $69 | $0 | $69 | 0.45% |
| KENT E FOSTER3 | 3527 US HIGHWAY 52 DECORAH, IA 52101 | AFLAC | $65 | $0 | $65 | 0.42% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $62 | $0 | $62 | 0.40% |
| SEAN T JUDGE3 | 95 POPLAR ST KINGSTON, PA 18704 | AFLAC | $61 | $0 | $61 | 0.40% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $55 | $0 | $55 | 0.36% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE DR PHILADELPHIA, PA 19125 | AFLAC | $49 | $0 | $49 | 0.32% |
| WILSON H TRANSUE3 | 1487 SULLIVAN TRL TANNERSVILLE, PA 18372 | AFLAC | $41 | $0 | $41 | 0.27% |
| CONSTANCE A TREIBLE3 | 128 WILLIAMS RD CRESCO, PA 18326 | AFLAC | $39 | $0 | $39 | 0.25% |
| KEVIN D NOLL3 | PO BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $21 | $0 | $21 | 0.14% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $18 | $0 | $18 | 0.12% |
| MARK L HUFHAND3 | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $15 | $0 | $15 | 0.10% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $12 | $0 | $12 | 0.08% |
| NORTH EAST EMPIRE INC3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $7 | $0 | $7 | 0.05% |
| FRED A REEDER3 Filed as: FRED E REEDER | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $5 | $0 | $5 | 0.03% |
| BARRY E DRASHER3 | 320 LEHIGH ST WHITE HAVEN, PA 18661 | AFLAC | $3 | $0 | $3 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $2 | $0 | $2 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST # 3 PHILADELPHIA, PA 19106 | AFLAC | $2 | $0 | $2 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | $0 | $2 | 0.01% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $1 | $0 | $1 | 0.01% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1 | $0 | $1 | 0.01% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $1 | $0 | $1 | 0.01% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $0 | $0 | $0 | 0.00% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR. SUITE 301 HARRISBURG, PA 17111 | 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 | 404 | 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) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 50 | $15K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $127K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $127K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 404 | $212K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 404 | $212K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $97K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 404 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.