| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $2K | $35 | $2K | 6.78% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $829 | $28 | $857 | 2.56% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS AND OTHER AGENTS | 19 NORFOLK LANE LEBANON, PA 17042 | AFLAC | $850 | $0 | $850 | 2.54% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR | 2202 CROSS CREEK ROAD MACUNGIE, PA 18062 | AFLAC | $279 | $13 | $292 | 0.87% |
| DELMAS R BUTLER JR3 Filed as: DELMAS R. BUTLER JR | 46 SOUTH TULPEHOCKEN STREET PINE GROVE, PA 17963 | AFLAC | $184 | $0 | $184 | 0.55% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR. | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $180 | $0 | $180 | 0.54% |
| GARY J BRENNAN II3 Filed as: GARY J. BRENNAN II | 4 SOUTH 2ND STREET, SUITE 312 POTTSVILLE, PA 17901 | AFLAC | $109 | $0 | $109 | 0.33% |
| KEYSTONE INS & BNFTS GRP LLC3 Filed as: KEYSTONE INS. AND BNFTS GROUP LLC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $541 | $2K | 30.27% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 232 | $5K |
| Short-term disability | AFLAC | 42 | $33K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 232 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.