| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNARD J NICHOLS3 | 247 BLACK OAK DRIVE LANCASTER, PA 17602 | AFLAC | $694 | — | $694 | 2.65% |
| LEILA RAPPAPORT3 | 123 MENDEL CT BEAR, DE 19701 | AFLAC | $480 | $34 | $514 | 1.96% |
| CHARLES SAULSBERY3 | PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $350 | — | $350 | 1.34% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $347 | — | $347 | 1.32% |
| JUSTIN FORTNER3 | 105 ARMSTRONG AVE WILMINGTON, DE 19805 | AFLAC | $281 | — | $281 | 1.07% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $269 | — | $269 | 1.03% |
| ZACHARY WISLER3 | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $203 | $28 | $231 | 0.88% |
| CHRIS WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $195 | — | $195 | 0.74% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $90 | — | $90 | 0.34% |
| FREDERICK W WILSON III3 Filed as: FREDERICK WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $85 | — | $85 | 0.32% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $70 | — | $70 | 0.27% |
| JEFFREY R CAREY3 Filed as: JEFFREY CAREY | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $63 | — | $63 | 0.24% |
| MARK RUSINKO3 | 21 CHRISTINA WOODS CT NEWARK, DE 19702 | AFLAC | $62 | — | $62 | 0.24% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | 1 BELMONT AVE STE 304 BALA CYNWYD, PA 19004 | AFLAC | $53 | — | $53 | 0.20% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $40 | — | $40 | 0.15% |
| SONIA SINCLAIR3 | 102 WEST CRAIL CT MIDDLETOWN, DE 19709 | AFLAC | $39 | — | $39 | 0.15% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $17 | — | $17 | 0.06% |
| SCOTT A. RAPPAPORT3 Filed as: SCOTT A RAPPAPORT | 56 WELSH TRACT RD APT 108 NEWARK, DE 19713 | AFLAC | $17 | — | $17 | 0.06% |
| LORI DEMANCZYK3 | 21 DUVALL CT WILMINGTON, DE 19808 | AFLAC | $16 | — | $16 | 0.06% |
| BRADLEY S JONES3 Filed as: BRADLEY JONES | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $7 | — | $7 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $5 | — | $5 | 0.02% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $5 | — | $5 | 0.02% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $3 | — | $3 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $2 | $1 | $3 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | $1 | $2 | 0.01% |
| GREGORY HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.00% |
| MURRAY INSURANCE ASSOCIATES3 | 39 N DUKE ST LANCASTER, PA 17602 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 21.12% |
| MURRAY INS ASSOC INC3 Filed as: MURRAY SECURUS | PO BOX 1728, 39 NORTH DUKE ST LANCASTER, PA 17608 | SECURITY LIFE INSURANCE COMPANY | $2K | $3K | $4K | 31.41% |
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 | 116 | 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) | 116 | 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) | 256 | $1.4M |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 116 | $61K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 116 | $35K |
| Long-term disability | AFLAC | 38 | $26K |
| Other | AFLAC | 38 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.