| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $404 | $4K | 2.75% |
| DEBORAH POPPERT3 | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $2K | $34 | $2K | 3.81% |
| MICHAEL P NORRIS3 Filed as: MICHAEL NORRIS | 200 DALLAM RD NEWARK, DE 19711 | AFLAC | $1K | — | $1K | 2.11% |
| CONLON AND ASSOCIATES LLC3 | PO POX 402 BRIDGEPORT, PA 19405 | AFLAC | $975 | — | $975 | 2.01% |
| THOMAS J POPPERT3 Filed as: THOMAS POPPERT | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $738 | — | $738 | 1.52% |
| MEREDITH P CONLON3 Filed as: MEREDITH CONLON | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $717 | — | $717 | 1.48% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $645 | — | $645 | 1.33% |
| PAUL S STEIN3 Filed as: PAUL STEIN | 1633 E BUTLER PIKE AMBLER, PA 19002 | AFLAC | $324 | — | $324 | 0.67% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $220 | — | $220 | 0.45% |
| GAYLE L BAKER-GAYDOS3 Filed as: GAYLE BAKER-GAYDOS | 100 MARTHAS WAY WEST GROVE, PA 19390 | AFLAC | $94 | $34 | $128 | 0.26% |
| RANDALL D NAFTAL3 Filed as: RANDALL NAFTAL | 2 STATION SQ, STE 201 37 NORTH VALLEY RD PAOLI, PA 19301 | AFLAC | $112 | — | $112 | 0.23% |
| TONY J DELBEN3 Filed as: TONY DELBEN | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $111 | — | $111 | 0.23% |
| KATHLEEN M KONEGAN3 Filed as: KATHLEEN KONEGAN | 3050 HIGHWOODS DR ASTON, PA 19014 | AFLAC | $92 | — | $92 | 0.19% |
| AVI LERNER3 | 999 STEWART AVE STE 110 BETHPAGE, NY 11714 | AFLAC | $83 | — | $83 | 0.17% |
| DARLENE S DILLON3 Filed as: DARLENE DILLON | 282 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $66 | $14 | $80 | 0.17% |
| DONNA S CULLEN3 Filed as: DONNA CULLEN | 317 MAGELLAN DR NEW BERN, NC 28560 | AFLAC | $62 | — | $62 | 0.13% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $37 | $14 | $51 | 0.11% |
| JOHN R NORRIS3 Filed as: JOHN NORRIS | 32782 BRIDGEWAY DR E LEWES, DE 19958 | AFLAC | $44 | — | $44 | 0.09% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYBRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $43 | — | $43 | 0.09% |
| SETH J BOSTICK3 Filed as: SETH BOSTICK | 922 JAMES CT SALISBURY, MD 21804 | AFLAC | $35 | — | $35 | 0.07% |
| DEAD ROCK LLC3 | 116 TURNER RD WALLINGFORD, PA 19086 | AFLAC | $33 | — | $33 | 0.07% |
| BRADLEY S JONES3 Filed as: BRADLEY JONES | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $25 | — | $25 | 0.05% |
| INNOVATIVE RISK SOLUTIONS3 Filed as: INNOVATIVE RISK SOLUTIONS INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TWP, NJ 08234 | AFLAC | $23 | — | $23 | 0.05% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1325 MOUNT HERMON RD STE 13B SALISBURY, MD 21804 | AFLAC | $22 | — | $22 | 0.05% |
| LISA J SEPESI3 Filed as: LISA SEPESI | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $17 | — | $17 | 0.04% |
| MARLEEN LIVINGSTONE3 | 116 TURNER RD WALLINGFORD, PA 19086 | AFLAC | $16 | — | $16 | 0.03% |
| DARREN RIDDLE3 | 7850 AVONDALE TERR HARRISBURG, PA 17112 | AFLAC | $15 | — | $15 | 0.03% |
| MATTHEW LUCAS3 | 309 WASHINGTON ST APT 1408 CONSHOHOCKEN, PA 19428 | AFLAC | $15 | — | $15 | 0.03% |
| KENNETH GOODWIN3 | 13 HEARTHSIDE RD ASTON, PA 19014 | AFLAC | $12 | — | $12 | 0.02% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $11 | — | $11 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $9 | — | $9 | 0.02% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $9 | — | $9 | 0.02% |
| MARY KAYE WASHO3 Filed as: MARY WASHO | 106 CEDAR BLUFF CT STE 315 ALEDO, TX 76008 | AFLAC | $8 | — | $8 | 0.02% |
| LAURIE SMITH3 | 577 TRUEDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $7 | — | $7 | 0.01% |
| RYAN GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DR CATAULA, GA 31804 | AFLAC | $5 | — | $5 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $5 | — | $5 | 0.01% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEACH LN WOMELSDORF, PA 19567 | AFLAC | $4 | — | $4 | 0.01% |
| JUSTIN M GUIDI3 Filed as: JUSTIN GUIDI | 555 N PLEASANTBURG DR STE 200 GREENVILLE, SC 29607 | AFLAC | $4 | — | $4 | 0.01% |
| MATTHEW LUCAS3 | PO BOX 717 2895 COLLEGE DR BRYN ATHYN, PA 19009 | AFLAC | $3 | — | $3 | 0.01% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.00% |
| WANDA CHASE3 | 310 CHANDLER RD APT 6G GREER, SC 29651 | AFLAC | $1 | — | $1 | 0.00% |
| CARSON C PURIEFOY JR3 Filed as: CARSON PURIEFOY JR | PO BOX 301 WENONAH, NJ 08090 | AFLAC | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.27% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $152K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 182 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $152K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $152K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $152K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.