| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | 39 N DUKE ST LANCASTER, PA 17602 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.32% |
| BERNARD J NICHOLS3 Filed as: BERNARD NICHOLS | 247 BLACK OAK DRIVE LANCASTER, PA 17602 | AFLAC | $694 | — | $694 | 2.75% |
| LEILA RAPPAPORT3 | 123 MENDEL CT BEAR, DE 19701 | AFLAC | $423 | — | $423 | 1.67% |
| CHARLES SAULSBERY3 | PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $350 | — | $350 | 1.38% |
| KENNA M ULBINSKY YAKAL3 Filed as: KENNA ULBINSKY YAKAL | 605 TAMARA CIR NEWARK, DE 19711 | AFLAC | $269 | — | $269 | 1.06% |
| CHRIS WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $195 | — | $195 | 0.77% |
| AUTUMN STROHMAIER3 | 573 BELLEVUE RD STE B NEWARK, DE 19713 | AFLAC | $156 | $19 | $175 | 0.69% |
| ZACHARY WISLER3 | 123 MENDEL CT BEAR, DE 19701 | AFLAC | $142 | $7 | $149 | 0.59% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $90 | — | $90 | 0.36% |
| FREDERICK W WILSON III3 Filed as: FREDERICK WILLSON III | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $75 | — | $75 | 0.30% |
| MARK RUSINKO3 | 21 CHRISTINA WOODS CT NEWARK, DE 19702 | AFLAC | $62 | — | $62 | 0.25% |
| JEFFREY R CAREY3 Filed as: JEFFREY CAREY | 573 BELLEVUE RD STE B NEWARK, DE 19713 | AFLAC | $62 | — | $62 | 0.25% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | 1 BELMONT AVE STE 304 GSB BUILDING BALA CYNWYD, PA 19004 | AFLAC | $42 | — | $42 | 0.17% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $36 | — | $36 | 0.14% |
| SONIA SINCLAIR3 | 102 WEST CRAIL CT MIDDLETOWN, DE 19709 | AFLAC | $30 | — | $30 | 0.12% |
| JUSTIN FORTNER3 | 44 RAWLINGS DR BEAR, DE 19701 | AFLAC | $19 | $11 | $30 | 0.12% |
| LORI DEMANCZYK3 | 21 DUVALL CT WILMINGTON, DE 19808 | AFLAC | $25 | — | $25 | 0.10% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $18 | $7 | $25 | 0.10% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $20 | — | $20 | 0.08% |
| SCOTT A. RAPPAPORT3 Filed as: SCOTT RAPPAPORT | 56 WELSH TRACT RD APT 106 NEWARK, DE 19713 | AFLAC | $18 | — | $18 | 0.07% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $18 | — | $18 | 0.07% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $17 | — | $17 | 0.07% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $13 | — | $13 | 0.05% |
| BRADLEY S JONES3 Filed as: BRADLEY JONES | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $7 | — | $7 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $6 | — | $6 | 0.02% |
| GREGORY HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $4 | — | $4 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $3 | — | $3 | 0.01% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 255 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 115 | $62K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 115 | $62K |
| Long-term disability | AFLAC | 54 | $25K |
| Other | AFLAC | 54 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.