| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRAY HILL CIRCLE LANCASTER, PA 17601 | AMERICAN UNITED LIFE INSURANCE COMPANY | $17K | — | $17K | 13.71% |
| BETH ANN RIDER3 | 1 LAUREN LANE EPHRATA, PA 17522 | AFLAC | $11K | $369 | $12K | 9.79% |
| MELYNDA S HASSELBACH3 | 53 BLUE ROCK ROAD MILLERSVILLE, PA 17551 | AFLAC | $3K | $49 | $3K | 2.77% |
| DAVID SPENCER3 | 210 KLINE RD DENVER, PA 17517 | AFLAC | $2K | $6 | $2K | 1.64% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE STE 101 HARRISBURG, PA 17110 | AFLAC | $2K | $19 | $2K | 1.35% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX STE 201 TREVOSE, PA 19053 | AFLAC | $533 | $67 | $600 | 0.50% |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $567 | $10 | $577 | 0.48% |
| JOANN HARTSOCK3 | 1214 EASTON ROAD SUITE 100 WARRINGTON, PA 18976 | AFLAC | $504 | — | $504 | 0.42% |
| LAWRENCE HESS3 Filed as: LAWRENCE J HESS | 127 WINDING HILL DR LANCASTER, PA 17601 | AFLAC | $469 | — | $469 | 0.39% |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $379 | $86 | $465 | 0.39% |
| CAROL A PERRY3 | 19 MANOR OAKS DR MILLERSVILLE, PA 17551 | AFLAC | $395 | — | $395 | 0.33% |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $283 | $50 | $333 | 0.28% |
| RANDALL D NAFTAL3 | 37 NORTH VALLEY ROAD 2 STATION SQUA PAOLI, PA 19301 | AFLAC | $315 | — | $315 | 0.26% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $311 | — | $311 | 0.26% |
| SHELLY S GWIN3 | 94 OATFIELD DR DENVER, PA 17517 | AFLAC | $303 | — | $303 | 0.25% |
| LARRY MYERS3 Filed as: LARRY D MYERS | 8944 N TRAVIS DR CITRUS SPRINGS, FL 34434 | AFLAC | $299 | — | $299 | 0.25% |
| RONALD P BUCHER3 | 720 GRANDVIEW BLVD LANCASTER, PA 17601 | AFLAC | $272 | — | $272 | 0.23% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $239 | $14 | $253 | 0.21% |
| BONITA REID3 | 1515 HICKORY RUN COURT ELIZABETHTOWN, PA 17022 | AFLAC | $246 | — | $246 | 0.20% |
| PATRICK MORAN3 Filed as: PATRICK T MORAN II | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | AFLAC | $175 | — | $175 | 0.15% |
| LACEY M AURIEMMA3 | 1014 PLIMSOLL PT LANOKA HARBOR, NJ 08734 | AFLAC | $136 | $18 | $154 | 0.13% |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $149 | — | $149 | 0.12% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $125 | — | $125 | 0.10% |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRL BANNER ELK, NC 28604 | AFLAC | $121 | — | $121 | 0.10% |
| MICHAEL P NORRIS3 | 200 DALLAM,RD NEWARK, DE 19711 | AFLAC | $110 | — | $110 | 0.09% |
| EVA M ALEXANDER3 | 119 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $75 | — | $75 | 0.06% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $63 | — | $63 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $51 | $3 | $54 | 0.04% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $51 | — | $51 | 0.04% |
| VICTOR LYSCZEK3 | 1528 CONCORD ROAD WYOMISSING, PA 19610 | AFLAC | $44 | — | $44 | 0.04% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $43 | — | $43 | 0.04% |
| JANE N ARTMAN3 | 75 ARTMAN AVE HELLAM, PA 17406 | AFLAC | $42 | — | $42 | 0.03% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $41 | — | $41 | 0.03% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $40 | — | $40 | 0.03% |
| ROBERT W RICHARDSON3 | 1860 HUNTERS FORK RD BELINGTON, WV 26250 | AFLAC | $19 | — | $19 | 0.02% |
| MICHAEL R MEREDITH3 | 806 TYVOLA ROAD SUITE 108 LOCKBOX 9 CHARLOTTE, NC 28290 | AFLAC | $14 | — | $14 | 0.01% |
| STEPHEN KALLOCK3 Filed as: STEPHEN G KALLOCK | 703 OXFORD COVE CANTON, GA 30115 | AFLAC | $13 | — | $13 | 0.01% |
| COMPREHENSIVE BENEFIT MARKETING SVC3 Filed as: COMPREHENSIVE BENEFIT MKTG SERV INC | 5995 LEMON ST EAST PETERSBURG, PA 17520 | AFLAC | $9 | — | $9 | 0.01% |
| SCOTTI MADISON3 | 6110 CEDARCREST RD NW STE 350-249 ACWORTH, GA 30101 | AFLAC | $8 | — | $8 | 0.01% |
| MURRAY INS ASSOC INC3 | 39 N DUKE ST LANCASTER, PA 17602 | AFLAC | $7 | — | $7 | 0.01% |
| PAUL A LEE3 | PO BOX 248 KENNESAW, GA 30156 | AFLAC | $5 | — | $5 | 0.00% |
| THOMAS D SCARSELLA3 | 453 GARLAND CIRCLE LANCASTER, PA 17602 | AFLAC | $5 | — | $5 | 0.00% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $1 | — | $1 | 0.00% |
| MARK S LEE3 | 1192 PEYTON DR NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD 14TH FL COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | AMERICAN FIDELITY ASSURANCE COMPANY | $400 | $0 | $400 | 19.02% |
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 | 502 | 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) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 18 | $2K |
| Vision | HIGHMARK | 650 | $53K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 644 | $123K |
| Short-term disability | AFLAC | 150 | $120K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 644 | $123K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 644 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.