| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INS ASSOC INC3 Filed as: MURRAY SECURUS | PO BOX 1728, 39 NORTH DUKE ST LANCASTER, PA 17608 | SECURITY LIFE INSURANCE COMPANY | $4K | $7K | $10K | 31.31% |
| LEILA RAPPAPORT3 | 123 MENDEL CT BEAR, DE 19701 | AFLAC | $723 | $41 | $764 | 3.56% |
| BERNARD J NICHOLS3 | 247 BLACK OAK DRIVE LANCASTER, PA 17602 | AFLAC | $611 | — | $611 | 2.85% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $354 | $144 | $498 | 2.32% |
| CHARLES SAULSBERY3 | PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $310 | — | $310 | 1.44% |
| LORI DEMANCZYK3 | 21 DUVALL CT WILMINGTON, DE 19808 | AFLAC | $170 | $103 | $273 | 1.27% |
| ZACHARY WISLER3 | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $205 | — | $205 | 0.96% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | 1 BELMONT AVE STE 304 BALA CYNWYD, PA 19004 | AFLAC | $185 | — | $185 | 0.86% |
| CHRIS WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $172 | — | $172 | 0.80% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $129 | — | $129 | 0.60% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $60 | $28 | $88 | 0.41% |
| FREDERICK W WILSON III3 Filed as: FREDERICK WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $72 | — | $72 | 0.34% |
| MARK RUSINKO3 | 21 CHRISTINA WOODS CT NEWARK, DE 19702 | AFLAC | $52 | — | $52 | 0.24% |
| JEFFREY R CAREY3 Filed as: JEFFREY CAREY | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $50 | — | $50 | 0.23% |
| KENNETH B COFER3 | 5030 SADLER PLACE STE 200 GLEN ALLEN, VA 23060 | AFLAC | $40 | — | $40 | 0.19% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $38 | — | $38 | 0.18% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $23 | $13 | $36 | 0.17% |
| SONIA SINCLAIR3 | 102 WEST CRAIL CT MIDDLETOWN, DE 19709 | AFLAC | $35 | — | $35 | 0.16% |
| SCOTT A. RAPPAPORT3 Filed as: SCOTT A RAPPAPORT | 56 WELSH TRACT RD APT 108 NEWARK, DE 19713 | AFLAC | $30 | — | $30 | 0.14% |
| BRADLEY S JONES3 Filed as: BRADLEY JONES | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $6 | — | $6 | 0.03% |
| JEFFREY R CAREY3 | 226 W PARK PLACE STE 12 NEWARK, DE 19711 | AFLAC | $6 | — | $6 | 0.03% |
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 |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH AMERICA OF PENNSYLVANIA, INC (HEALTH ASSURANCE) | 235 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | SECURITY LIFE INSURANCE COMPANY | 102 | $54K |
| Short-term disability | SECURITY LIFE INSURANCE COMPANY | 102 | $33K |
| Long-term disability | AFLAC | 38 | $21K |
| Other | AFLAC | 38 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.