| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETH ANN RIDER3 | 1 LAUREN LANE EPHRATA, PA 17522 | AFLAC | $11K | $976 | $12K | 8.76% |
| DAVID B SPENCER3 Filed as: DAVID B. SPENCER | 210 KLINE RD DENVER, PA 17517 | AFLAC | $3K | $195 | $3K | 1.99% |
| MELYNDA S HASSELBACH3 | 53 BLUE ROCK ROAD MILLERSVILLE, PA 17551 | AFLAC | $3K | $102 | $3K | 1.98% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $2K | $216 | $2K | 1.43% |
| LAWRENCE HESS3 Filed as: LAWRENCE J HESS | 127 WINDING HILL DR LANCASTER, PA 17601 | AFLAC | $494 | — | $494 | 0.36% |
| JOANN HARTSOCK3 | 1214 EASTON ROAD SUITE 100 WARRINGTON, PA 18976 | AFLAC | $464 | — | $464 | 0.34% |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $441 | $20 | $461 | 0.34% |
| CAROL A PERRY3 | 19 MANOR OAKS DR MILLERSVILLE, PA 17551 | AFLAC | $409 | — | $409 | 0.30% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX STE 201 TREVOSE, PA 19053 | AFLAC | $369 | — | $369 | 0.27% |
| LARRY MYERS3 Filed as: LARRY D MYERS | 8944 N TRAVIS DR CITRUS SPRINGS, FL 34434 | AFLAC | $329 | — | $329 | 0.24% |
| SHELLY S GWIN3 | 94 OATFIELD DR DENVER, PA 17517 | AFLAC | $324 | — | $324 | 0.24% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $287 | — | $287 | 0.21% |
| RANDALL D NAFTAL3 | 37 NORTH VALLEY ROAD 2 STATION SQUA PAOLI, PA 19301 | AFLAC | $268 | — | $268 | 0.19% |
| RONALD P BUCHER3 | 720 GRANDVIEW BLVD LANCASTER, PA 17601 | AFLAC | $267 | — | $267 | 0.19% |
| BONITA REID3 | 463 NEW DORWART ST LANCASTER, PA 17603 | AFLAC | $254 | — | $254 | 0.18% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $234 | — | $234 | 0.17% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $220 | — | $220 | 0.16% |
| PATRICK MORAN3 Filed as: PATRICK T MORAN II | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | AFLAC | $181 | — | $181 | 0.13% |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $160 | — | $160 | 0.12% |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $153 | — | $153 | 0.11% |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRL BANNER ELK, NC 28604 | AFLAC | $129 | — | $129 | 0.09% |
| MICHAEL P NORRIS3 | 200 DALLAM,RD NEWARK, DE 19711 | AFLAC | $121 | — | $121 | 0.09% |
| EVA M ALEXANDER3 | 119 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $103 | — | $103 | 0.07% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $72 | — | $72 | 0.05% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $66 | — | $66 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $56 | — | $56 | 0.04% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $52 | — | $52 | 0.04% |
| GREGG AMICON3 | 301 DEERHAVEN WAY GLENMOORE, PA 19343 | AFLAC | $52 | — | $52 | 0.04% |
| VICTOR LYSCZEK3 | 1528 CONCORD ROAD WYOMISSING, PA 19610 | AFLAC | $48 | — | $48 | 0.03% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $47 | — | $47 | 0.03% |
| JANE N ARTMAN3 | 75 ARTMAN AVE HELLAM, PA 17406 | AFLAC | $46 | — | $46 | 0.03% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $45 | — | $45 | 0.03% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $39 | — | $39 | 0.03% |
| CONLON AND ASSOCIATES LLC3 | 653 SOUTH GULPH RD KING OF PRUSSIA, PA 19406 | AFLAC | $34 | — | $34 | 0.02% |
| NANCY AMICON3 | 301 DEERHAVEN WAY GLENMOORE, PA 19343 | AFLAC | $29 | — | $29 | 0.02% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $28 | — | $28 | 0.02% |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $23 | — | $23 | 0.02% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 5 GREAT VALLEY PKWY STE 100 MALVERN, PA 19355 | AFLAC | $16 | — | $16 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $14 | — | $14 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $14 | — | $14 | 0.01% |
| MICHAEL R MEREDITH3 | 806 TYVOLA ROAD SUITE 108 LOCKBOX 9 CHARLOTTE, NC 28290 | AFLAC | $13 | — | $13 | 0.01% |
| STEPHEN KALLOCK3 Filed as: STEPHEN G KALLOCK | 703 OXFORD COVE CANTON, GA 30115 | AFLAC | $11 | — | $11 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $11 | — | $11 | 0.01% |
| COMPREHENSIVE BENEFIT MARKETING SVC3 Filed as: COMPREHENSIVE BENEFIT MKTG SERV INC | 5995 LEMON ST EAST PETERSBURG, PA 17520 | AFLAC | $10 | — | $10 | 0.01% |
| IRENE E BROOKS3 | 833 NORTH PARK ROAD SUITE 220 READING, PA 19610 | AFLAC | $9 | — | $9 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $7 | — | $7 | 0.01% |
| PAUL A LEE3 | PO BOX 248 KENNESAW, GA 30156 | AFLAC | $5 | — | $5 | 0.00% |
| HOOK ENTERPRISES LLC3 | 5 GREAT VALLEY PKWY STE 100 MALVERN, PA 19355 | AFLAC | $5 | — | $5 | 0.00% |
| THOMAS D SCARSELLA3 | 453 GARLAND CIRCLE LANCASTER, PA 17602 | AFLAC | $4 | — | $4 | 0.00% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $4 | — | $4 | 0.00% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $4 | — | $4 | 0.00% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $2 | — | $2 | 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% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $862 | $8K | 11.20% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.23% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $335 | $5K | 16.17% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.19% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $624 | $67 | $691 | 11.08% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $258 | $258 | 4.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | AMERICAN FIDELITY ASSURANCE COMPANY | $908 | — | $908 | 19.00% |
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 | 504 | 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) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 19 | $5K |
| Vision | HIGHMARK | 620 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 928 | $72K |
| Short-term disability | AFLAC | 172 | $137K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $29K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 659 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 928 | — |
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.
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.