| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BONCHER BENEFITS, INC.3 Filed as: BONCHER BENEFITS | 288 COLD SPRING DRIVE JIM THORPE, PA 18229 | AFLAC | $4K | $114 | $5K | 5.47% |
| CONSTANCE A TREIBLE3 | 128 WILLIAMS ROAD CRESCO, PA 18326 | AFLAC | $2K | — | $2K | 2.36% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $1K | — | $1K | 1.61% |
| BARBARA A KENNEDY3 | 122 E WATER ST MUNCY, PA 17756 | AFLAC | $743 | $18 | $761 | 0.92% |
| KEVIN D NOLL3 Filed as: KEVIN NOLL | P.O. BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $703 | $26 | $729 | 0.88% |
| JEFFREY CHUBB3 | 349 WEST WALNUT TREE DRIVE BLANDON, PA 19510 | AFLAC | $631 | — | $631 | 0.76% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DRIVE, SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $458 | $26 | $484 | 0.59% |
| WILSON H TRANSUE3 Filed as: WILSON TRANSUE | 1487 SULLIVAN TRAIL TANNERSVILLE, PA 18372 | AFLAC | $229 | — | $229 | 0.28% |
| DOUGLAS R. BORLAND3 | 919 SCOTT STREET WILKES BARRE, PA 18705 | AFLAC | $144 | — | $144 | 0.17% |
| C A LUPP INC3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $114 | — | $114 | 0.14% |
| JOSEPH G GRABLICK3 Filed as: JOSEPH G. GRABLICK | 716 SUSQUEHANNA AVE. WYOMING, PA 18644 | AFLAC | $111 | — | $111 | 0.13% |
| ALEXANDER BATISTA3 | 1 KINGS AVE. EASTON, PA 18045 | AFLAC | $100 | — | $100 | 0.12% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $91 | — | $91 | 0.11% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P CALCARA | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $91 | — | $91 | 0.11% |
| FRED A REEDER3 | 109 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AFLAC | $80 | — | $80 | 0.10% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $75 | — | $75 | 0.09% |
| SEAN T JUDGE3 | 95 POPLAR STREET KINGSTON, PA 18704 | AFLAC | $49 | — | $49 | 0.06% |
| BLACK ROK BENEFIT ALLIANCE LLC3 Filed as: BLACK ROK BENEFIT ALLIANCE, LLC | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $45 | — | $45 | 0.05% |
| KENT E FOSTER3 Filed as: KENT E. FOSTER | 3527 US HIGHWAY 52 DECORAH, IA 52101 | AFLAC | $44 | — | $44 | 0.05% |
| JOSEPH RYNCAVAGE3 | 140 MAIN ST KINGSTON, PA 18704 | AFLAC | $31 | — | $31 | 0.04% |
| RANDALL SIMS3 | 138 DERR DRIVE COLLEGEVILLE, PA 19426 | AFLAC | $29 | — | $29 | 0.04% |
| DIANNE L MARTIN3 Filed as: DIANNE L. MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $28 | — | $28 | 0.03% |
| DARREN D RIDDLE3 Filed as: DARREN D. RIDDLE | 7850 AVONDALE TER. HARRISBURG, PA 17112 | AFLAC | $28 | — | $28 | 0.03% |
| JOHN M WASHO3 | 23773A CYPRESS MNR ORANGE BEACH, AL 36561 | AFLAC | $27 | — | $27 | 0.03% |
| MARK D BARBIER3 | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $20 | — | $20 | 0.02% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $17 | — | $17 | 0.02% |
| ROBERT RICHARD ARETTA3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $16 | — | $16 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $16 | — | $16 | 0.02% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | 103 CHURCH ST. #3 PHILADELPHIA, PA 19106 | AFLAC | $16 | — | $16 | 0.02% |
| PETER R. TREIBLE3 | 128 WILLIAMS ROAD CRESCO, PA 18326 | AFLAC | $15 | — | $15 | 0.02% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $10 | — | $10 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRA BEACH, FL 32169 | AFLAC | $9 | — | $9 | 0.01% |
| WILLIAM M KNOTT3 | 95 CUNNINGHAM DR NEW SMYRNA BEACH, FL 32168 | AFLAC | $6 | — | $6 | 0.01% |
| FRED A REEDER3 Filed as: FRED A. REEDER | 380 E. MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $5 | — | $5 | 0.01% |
| JACK ALBERT MARTIN3 | 2941 NE 3RD STREET OCALA, FL 34470 | AFLAC | $5 | — | $5 | 0.01% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $2 | — | $2 | 0.00% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 102 | $83K |
| Vision | AFLAC | 102 | $83K |
| Life insurance | AFLAC | 102 | $83K |
| Short-term disability | AFLAC | 102 | $83K |
| Other | AFLAC | 102 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.