| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISH BANK3 Filed as: KISH BENEFITS CONSULTING | 25 GATEWAY DR REEDSVILLE, PA 17044 | DOMINION NATIONAL | $2K | $0 | $2K | 9.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | DOMINION NATIONAL | $973 | $0 | $973 | 4.46% |
| KISH BANK3 | 10 N DORCAS ST LEWISTOWN, PA 17044 | COMPANION LIFE | $1K | $0 | $1K | 15.15% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO INSURANCE CONSULTING LLC | 750 LAKE DR LEBANON, PA 17042 | COMPANION LIFE | $718 | $0 | $718 | 7.58% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $290 | $0 | $290 | 3.59% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO JENNIFER | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | $0 | $148 | 1.83% |
| CROYLE CHRISTOPHER A3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.53% |
| CROYLE COLLETTE R3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.37% |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.25% |
| GRENINGER JR3 Filed as: GRENINGER JR SAMUEL CLAIR | 1484 GERMAN ROAD LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES LLC | 200 WOODWARD AVE SUITE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 200 WOODWARD AVE SUITE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| KISH BANK3 | 10 N DORCAS ST LEWISTOWN, PA 17044 | COMPANION LIFE | $1K | $0 | $1K | 15.00% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO INSURANCE CONSULTING LLC | 750 LAKE DR LEBANON, PA 17042 | COMPANION LIFE | $534 | $0 | $534 | 7.50% |
| KISH BANK3 Filed as: KISH BENEFITS CONSULTING | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | VISION BENEFITS OF AMERICA | $350 | $0 | $350 | 5.00% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $275 | $0 | $275 | 9.29% |
| CROYLE CHRISTOPHER A3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | $0 | $84 | 2.84% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | $0 | $102 | 3.62% |
| CROYLE CHRISTOPHER A3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.96% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | $0 | $163 | 5.90% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO JENNIFER | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | $0 | $73 | 2.64% |
| CROYLE COLLETTE R3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.65% |
| CROYLE CHRISTOPHER A3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.40% |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.36% |
| KISH BANK3 | 10 N DORCAS ST LEWISTOWN, PA 17044 | COMPANION LIFE | $358 | $0 | $358 | 15.01% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO INSURANCE CONSULTING LLC | 750 LAKE DR LEBANON, PA 17042 | COMPANION LIFE | $179 | $0 | $179 | 7.51% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO JENNIFER | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $181 | $0 | $181 | 7.65% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | $0 | $127 | 5.37% |
| CROYLE CHRISTOPHER A3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 1.23% |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.63% |
| CROYLE COLLETTE R3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.38% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 6.43% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO JENNIFER | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 3.31% |
| CROYLE COLLETTE R3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.78% |
| CROYLE CHRISTOPHER A3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.58% |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.49% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO JENNIFER | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 3.67% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 3.55% |
| CROYLE COLLETTE R3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.71% |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.59% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO JENNIFER | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 4.32% |
| KISH BANK3 | 25 GATEWAY DR REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 3.91% |
| CROYLE COLLETTE R3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 1.39% |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.42% |
| DEPROSPO INS CONSULTING LLC3 Filed as: DEPROSPO JENNIFER | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 4.49% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 3.93% |
| CROYLE COLLETTE R3 | 25 GATEWAY DR REIDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.94% |
| DEPROSPO INS CONSULTING LLC3 | 750 LAKE DRIVE LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.37% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 3.85% |
| CROYLE CHRISTOPHER A3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 1.28% |
| KISH BANK3 Filed as: KISH BANK (1AA80) | 25 GATEWAY DR REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | $0 | $39 | 10.57% |
| CROYLE CHRISTOPHER A3 Filed as: CROYLE CHRISTOPHER A (1AY20) | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 2.44% |
| CROYLE CHRISTOPHER A3 Filed as: CROYLE CHRISTOPHER A (1AY30) | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 1.63% |
| KISH BANK3 Filed as: KISH BANK (8G250) | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.54% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 8.79% |
| CROYLE CHRISTOPHER A3 | 431 SUMMIT DR LEWISTOWN, PA 17044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 3.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | -$12K |
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 | 62 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 64 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 40 | $22K |
| Vision | VISION BENEFITS OF AMERICA | 66 | $7K |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 17 | $9K |
| Short-term disability(5 contracts, 2 carriers) | COMPANION LIFE | 18 | $23K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 60 | $240K |
| Other(11 contracts, 2 carriers) | COMPANION LIFE | 18 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66 | — |
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.