| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | 454 NEW HOLLAND AVE SUITE 300 LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 15.53% |
| SHELLY S GWIN3 Filed as: SHELLY S. GWIN | 94 OATFIELD DRIVE DENVER, PA 17517 | AFLAC | $229 | — | $229 | — |
| LANDIS CHRISTIAN W AGENCY INC3 Filed as: LANDIS CHRISTIAN AGENCY, INC. | 3008 COLUMBIA AVE LANCASTER, PA 17603 | AFLAC | $72 | — | $72 | — |
| KIMMON R GUSEMAN3 Filed as: KIMMON R. GUSEMAN | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $59 | — | $59 | — |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $21 | — | $21 | — |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $10 | — | $10 | — |
| MICHAEL P NORRIS3 Filed as: MICHAEL P. NORRIS | 200 DALLAM RD NEWARK, DE 19711 | AFLAC | $9 | — | $9 | — |
| GERALD L WALSH3 Filed as: GERALD WALSH | 39 POCAHONTAS LANE HALIFAX, PA 17032 | AFLAC | $7 | — | $7 | — |
| RANDALL D NAFTAL3 Filed as: RANDALL D. NAFTAL | 37 NORTH VALLEY ROAD 2 STATION SQUARE SUITE 201 PAOLI, PA 19301 | AFLAC | $5 | — | $5 | — |
| ANTHONY S ALMODOVAR3 | 2405 PARK DR STE 101 HARRISBURG, PA 17110 | AFLAC | $5 | — | $5 | — |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $4 | — | $4 | — |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $3 | — | $3 | — |
| GERALD L WALSH3 Filed as: GERALD WALSH | 39 POCAHONTAS LANE HALIFAX, PA 17032 | AFLAC | $3 | — | $3 | — |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $2 | — | $2 | — |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | — |
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 | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $110K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $110K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $110K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $110K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.