| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL PENN INSURANCE SERVICES3 | 74 W BROAD ST STE 370 BETHLEHEM, PA 18018 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $35K | $0 | $35K | 5.10% |
| BETHANY L ANDERSON3 | PO BOX 363 ALLENTOWN, PA 18105 | AFLAC | $1K | $40 | $1K | 6.92% |
| QUENTIN C KENT3 | PO BOX 363 ALLENTOWN, PA 18105 | AFLAC | $331 | $43 | $374 | 2.01% |
| STEPHEN D BISSELL3 Filed as: STEPHEN BISSELL | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $295 | $0 | $295 | 1.58% |
| DENTON QUICK3 | 2170 READING AVE WEST LAWN, PA 19609 | AFLAC | $269 | $17 | $286 | 1.53% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $140 | $17 | $157 | 0.84% |
| EDWARD F MROWKA JR3 Filed as: EDWARD MROWKA JR | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $79 | $0 | $79 | 0.42% |
| MARK D BARBIER3 | 302 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $65 | $0 | $65 | 0.35% |
| MG BERGER INC3 | 1020 N DELAWARE AVE SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $46 | $17 | $63 | 0.34% |
| JAMES ELDER BROOKS3 | 1253 W LEESPORT RD LEESPORT, PA 19533 | AFLAC | $28 | $0 | $28 | 0.15% |
| JUSTIN MHLEY3 | 2517 ALLENBROOK DR APT 208 ALLENTOWN, PA 18103 | AFLAC | $21 | $0 | $21 | 0.11% |
| DEANNE L MILLER3 Filed as: DEANNE MILLER | 278 ENDICOTT ST BRUCETON MILLS, WV 26525 | AFLAC | $16 | $0 | $16 | 0.09% |
| KEVIN W KREPINEVICH3 Filed as: KEVIN KREPINEVICH | 3440 LEHIGH ST PMB 102 ALLENTOWN, PA 18103 | AFLAC | $15 | $0 | $15 | 0.08% |
| BETH AMBRUSO3 | 515 PEQUEST RD STEWARTSVILLE, NJ 08886 | AFLAC | $12 | $0 | $12 | 0.06% |
| JUSTIN MHLEY3 | 4227 MINSI ST SCHNECKSVILLE, PA 18078 | AFLAC | $9 | $0 | $9 | 0.05% |
| SHELLY J. CAMPO3 Filed as: SHELLY CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $7 | $0 | $7 | 0.04% |
| JEFFREY C GRIM3 Filed as: JEFFREY GRIM | 4700 DUNHAM DR READING, PA 19606 | AFLAC | $6 | $0 | $6 | 0.03% |
| YAMIRA LEE MARCHANY3 | 14202 CHEVAL MAYFAIRE DR APT 100 ORLANDO, FL 32828 | AFLAC | $4 | $0 | $4 | 0.02% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | $0 | $3 | 0.02% |
| NATIONAL PENN INSURANCE SERVICES3 | 74 W BROAD ST SUITE 370 BETHLEHEM, PA 18108 | USABLE LIFE | $500 | $0 | $500 | 20.00% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $125 | $0 | $125 | 5.00% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 108 | $694K |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 108 | $694K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 108 | $694K |
| Life insurance | USABLE LIFE | 43 | $3K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 108 | $694K |
| Other(2 contracts, 2 carriers) | AFLAC | 43 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.