| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: THE BENEFITS GROUP | 27 JOHNSON ROAD CLARKS SUMMIT, PA 18411 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $4K | $26K | 11.89% |
| GREENWALD BERK AGENCY3 | 250 PIERCE STREET SUITE 311 KINGSTON, PA 18704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $612 | $0 | $612 | 0.28% |
| GREENWALD BERK AGENCY3 | 250 PIERCE STREET SUITE 311 KINGSTON, PA 18704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.01% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $11K | $11K | 11.00% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP | 27 JOHNSON ROAD CLARKS SUMMIT, PA 18411 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $0 | $5K | 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% |
| DOUGLAS R. BORLAND3 Filed as: DOUGLAS R BORLAND | 919 SCOTT ST WILKES BARRE, PA 18705 | AFLAC | $4K | $0 | $4K | 9.43% |
| JOHN E JOHNSON3 | 1203 S MARKET ST NANTICOKE, PA 18634 | AFLAC | $3K | $56 | $3K | 8.47% |
| NORTH EAST EMPIRE INC3 | 8 W BROAD ST STE 720 HAZLETON, PA 18201 | AFLAC | $2K | $11 | $2K | 4.39% |
| DEBRA LYNN MOSES3 | 109 REFUGE DRIVE EAST DRUMS, PA 18222 | AFLAC | $2K | $0 | $2K | 4.27% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $1K | $11 | $1K | 3.63% |
| NORTH EAST EMPIRE INC3 | 268 E END CTR WILKES BARRE, PA 18702 | AFLAC | $1K | $0 | $1K | 3.28% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $155 | $0 | $155 | 0.41% |
| KEVIN D NOLL3 | PO BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $83 | $0 | $83 | 0.22% |
| SEAN T JUDGE3 | 95 POPLAR ST KINGSTON, PA 18704 | AFLAC | $71 | $0 | $71 | 0.19% |
| KENT E FOSTER3 | 3527 US HIGHWAY 52 DECORAH, IA 52101 | AFLAC | $71 | $0 | $71 | 0.19% |
| DAVID W RANCK3 Filed as: DAVID R RANCK | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $55 | $0 | $55 | 0.15% |
| C A LUPP INC3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $55 | $0 | $55 | 0.15% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $41 | $0 | $41 | 0.11% |
| CONSTANCE A TREIBLE3 | 128 WILLIAMS RD CRESCO, PA 18326 | AFLAC | $37 | $0 | $37 | 0.10% |
| WILSON H TRANSUE3 | 1487 SULLIVAN TRL TANNERSVILLE, PA 18372 | AFLAC | $35 | $0 | $35 | 0.09% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $24 | $0 | $24 | 0.06% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $18 | $0 | $18 | 0.05% |
| MARK L HUFHAND3 | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $16 | $0 | $16 | 0.04% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $10 | $0 | $10 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $6 | $0 | $6 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST # 3 PHILADELPHIA, PA 19106 | AFLAC | $6 | $0 | $6 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $6 | $0 | $6 | 0.02% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $5 | $0 | $5 | 0.01% |
| FRED A REEDER3 Filed as: FRED E REEDER | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $4 | $0 | $4 | 0.01% |
| BARRY E DRASHER3 | 320 LEHIGH ST WHITE HAVEN, PA 18661 | AFLAC | $3 | $0 | $3 | 0.01% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $1 | $0 | $1 | 0.00% |
| FRED A REEDER3 Filed as: FRED E REEDER | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $1 | $0 | $1 | 0.00% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR. SUITE 301 HARRISBURG, PA 17111 | AFLAC | $0 | $0 | $0 | 0.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $789 | $789 | 8.50% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP | 27 JOHNSON ROAD CLARKS SUMMIT, PA 18411 | MADISON NATIONAL LIFE INSURANCE COMPANY | $464 | $0 | $464 | 5.00% |
| TAYLOR RYAN SCHAIBLE3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $278 | $278 | 3.00% |
| WILLIAM O DAGGETT JR3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $93 | $93 | 1.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $93 | $93 | 1.00% |
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 | 392 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 79 | $38K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $155K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $155K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 392 | $328K |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 392 | $328K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5 | $215K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 392 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.