| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17605 | CAPITAL ADVANTAGE INSURANCE COMPANY | $40K | — | $40K | 3.80% |
| KIMBERLEY J SCHUCHART3 Filed as: KIMBERLEY SCHUCHART | 8 SPRUCE LN NEW OXFORD, PA 17350 | AFLAC | $6K | — | $6K | 14.24% |
| ADAM DANIEL LEVINE3 Filed as: ADAM LEVINE | 200 BUTLER AVE STE 200 LANCASTER, PA 17601 | AFLAC | $1K | — | $1K | 3.47% |
| ANTHONY ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $889 | — | $889 | 2.23% |
| BERNARD J NICHOLS3 Filed as: BERNARD NICHOLS | 247 BLACK OAK DR LANCASTER, PA 17602 | AFLAC | $821 | — | $821 | 2.06% |
| CHARLES SAULSBERY3 | PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $420 | — | $420 | 1.05% |
| LEILA RAPPAPORT3 | 116 LAKS DR MIDDLETOWN, DE 19709 | AFLAC | $310 | — | $310 | 0.78% |
| KENNA M ULBINSKY YAKAL3 Filed as: KENNA ULBINSKY YAKAL | 605 TAMARA CIR NEWARK, DE 19711 | AFLAC | $253 | — | $253 | 0.63% |
| KARLA WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $230 | — | $230 | 0.58% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL RD COLORA, MD 21917 | AFLAC | $163 | — | $163 | 0.41% |
| ZACHARY WISLER3 | 116 LAKS DR MIDDLETOWN, DE 19709 | AFLAC | $143 | — | $143 | 0.36% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $108 | — | $108 | 0.27% |
| JEFFREY R CAREY3 Filed as: JEFFREY CAREY | 573 BELLEVUE RD STE B NEWARK, DE 19713 | AFLAC | $54 | — | $54 | 0.14% |
| FREDERICK W WILSON III3 Filed as: FREDERICK WILSON III | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $51 | — | $51 | 0.13% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | 1 BELMONT AVE STE 304 GSB BUILDING BALA CYNWYD, PA 19004 | AFLAC | $35 | — | $35 | 0.09% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $27 | — | $27 | 0.07% |
| JUSTIN FORTNER3 | 44 RAWLINGS DR BEAR, DE 19701 | AFLAC | $23 | — | $23 | 0.06% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $22 | — | $22 | 0.06% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $16 | — | $16 | 0.04% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $16 | — | $16 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $15 | — | $15 | 0.04% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $13 | — | $13 | 0.03% |
| SCOTT A. RAPPAPORT3 Filed as: SCOTT RAPPAPORT | 12 FORSYTHIA CT LAFAYETTE HILL, PA 19444 | AFLAC | $13 | — | $13 | 0.03% |
| SONIA SINCLAIR3 | 102 W CRAIL CT MIDDLETOWN, DE 19709 | AFLAC | $11 | — | $11 | 0.03% |
| BRADLEY S JONES3 Filed as: BRADLEY JONES | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $6 | — | $6 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $6 | — | $6 | 0.02% |
| GREGORY HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $5 | — | $5 | 0.01% |
| MARK RUSINKO3 | 21 CHRISTINA WOODS CT NEWARK, DE 19702 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $3 | — | $3 | 0.01% |
| MURRAY INSURANCE ASSOCIATES3 | 39 N DUKE ST LANCASTER, PA 17602 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 12.75% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE INSURANCE COMPANY | 102 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 112 | $75K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 112 | $75K |
| Long-term disability | AFLAC | 55 | $40K |
| Other | AFLAC | 55 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.