| 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 | $39K | — | $39K | 4.73% |
| BETHANY L ANDERSON3 Filed as: BETHANY L. ANDERSON | PO BOX 363 ALLENTOWN, PA 18105 | AFLAC | $413 | $29 | $442 | 11.51% |
| DENTON E QUICK3 | 2170 READING AVENUE WEST LAWN, PA 19609 | AFLAC | $111 | $7 | $118 | 3.07% |
| QUENTIN C KENT3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $88 | $7 | $95 | 2.47% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $71 | — | $71 | 1.85% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $61 | $7 | $68 | 1.77% |
| DENTON E QUICK3 | 2170 READING AVENUE WEST LAWN, PA 19609 | AFLAC | $16 | — | $16 | 0.42% |
| JAMES ELDER BROOKS3 | 1253 EST LEESPORT RD LEESPORT, PA 19533 | AFLAC | $13 | — | $13 | 0.34% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.10% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $2 | — | $2 | 0.05% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | USABLE LIFE | $276 | — | $276 | 11.55% |
| NATIONAL PENN INSURANCE SERVICES3 Filed as: NATIONAL PENN INSURANCE SERVICES GR | 74 W BROAD STREET SUITE 370 BETHLEHEM, PA 18018 | USABLE LIFE | $202 | — | $202 | 8.46% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $119 | — | $119 | 4.98% |
| BETHANY L ANDERSON3 | PO BOX 363 ALLENTOWN, PA 18105 | AFLAC | $247 | — | $247 | 10.42% |
| STEPHEN D BISSELL3 Filed as: STEPHEN BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $74 | — | $74 | 3.12% |
| QUENTIN C KENT3 Filed as: QUENTIN KENT | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $46 | — | $46 | 1.94% |
| DENTON QUICK3 | 2170 READING AVENUE WEST LAWN, PA 19609 | AFLAC | $40 | — | $40 | 1.69% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $30 | — | $30 | 1.27% |
| KEVIN W KREPINEVICH3 Filed as: KEVIN KREPINEVICH | 3440 LEHIGH STREET PMB 102 ALLENTOWN, PA 18103 | AFLAC | $12 | — | $12 | 0.51% |
| JAMES ELDER BROOKS3 Filed as: JAMES E BROOKS | 1253 WEST LEESPORT ROAD LEESPORT, PA 19533 | AFLAC | $4 | — | $4 | 0.17% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.17% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | 0.04% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 833 NORTH PARK ROAD SUITE 200 READING, PA 19610 | AFLAC | $1 | — | $1 | 0.04% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 116 | $824K |
| Dental(3 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 116 | $831K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 116 | $824K |
| Life insurance | USABLE LIFE | 39 | $2K |
| Short-term disability(2 contracts) | AFLAC | 8 | $6K |
| Long-term disability(2 contracts) | AFLAC | 8 | $6K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 116 | $824K |
| Other(3 contracts, 2 carriers) | AFLAC | 39 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.