| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $2K | $0 | $2K | 7.38% |
| MJ INSURANCE3 Filed as: GARY BRENNAN II & VARIOUS AGENTS | 460 NORTH CLAUDE A LORD BOULEVARD POTTSVILLE, PA 17901 | AFLAC | $1K | $0 | $1K | 3.30% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $530 | $0 | $530 | 1.57% |
| DELMAS R BUTLER JR3 Filed as: DELMAS R. BUTLER JR | 46 SOUTH TULPEHOCKEN STREET PINE GROVE, PA 17963 | AFLAC | $272 | $0 | $272 | 0.81% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $211 | $0 | $211 | 0.63% |
| SHELLY J. CAMPO3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $186 | $0 | $186 | 0.55% |
| IRENEE E. BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $156 | $0 | $156 | 0.46% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS. & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $792 | $427 | $1K | 30.77% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $4K |
| Short-term disability | AFLAC | 42 | $34K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.