| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | HIGHMARK, INC. | $91K | — | $91K | 10.56% |
| BETHANY L ANDERSON3 Filed as: BETHANY ANDERSON | P. O. BOX 363 ALLENTOWN, PA 18105 | AFLAC | $3K | $217 | $3K | 11.88% |
| DENTON QUICK3 | 2202 WELLINGTON BLVD. WYOMISSING, PA 19610 | AFLAC | $791 | $54 | $845 | 3.52% |
| QUENTIN C KENT3 Filed as: QUENTIN KENT | P. O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $575 | $54 | $629 | 2.62% |
| JACQUELINE EBERZ3 | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $460 | $54 | $514 | 2.14% |
| STEPHEN D BISSELL3 Filed as: STEPHEN BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $115 | — | $115 | 0.48% |
| EDWARD F MROWKA JR3 Filed as: EDWARD MROWKA JR. | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $64 | — | $64 | 0.27% |
| JUSTIN MHLEY3 | 7 JOSEPH DRIVE EAST HANOVER, NJ 07936 | AFLAC | $27 | — | $27 | 0.11% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $21 | — | $21 | 0.09% |
| KEVIN W KREPINEVICH3 Filed as: KEVIN KREPINEVICH | 3440 LEHIGH STREET PMB 102 ALLENTOWN, PA 18103 | AFLAC | $21 | — | $21 | 0.09% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $15 | — | $15 | 0.06% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD PHILADEPHIA, PA 19125 | AFLAC | $15 | — | $15 | 0.06% |
| BETH AMBRUSO3 | 7442 FIRSIDE LANE FLOWERY BRANCH, GA 30542 | AFLAC | $12 | — | $12 | 0.05% |
| JAMES BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $9 | — | $9 | 0.04% |
| DEANNE L MILLER3 Filed as: DEANNE MILLER | 1405 FAULKENBERRY ROAD WILMINGTON, NC 28409 | AFLAC | $8 | — | $8 | 0.03% |
| DARREN RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.02% |
| RYAN GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | — | $4 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $4 | — | $4 | 0.02% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APT. 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $2 | — | $2 | 0.01% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 E. PARK DRIVE SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.00% |
| BETHANY L ANDERSON3 | PO BOX 363 ALLENTOWN, PA 18105 | AFLAC | $1K | — | $1K | 21.04% |
| QUENTIN C KENT3 Filed as: QUENTIN C. KENT | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $314 | — | $314 | 4.99% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2170 READING AVENUE WEST LAWN, PA 19609 | AFLAC | $284 | — | $284 | 4.51% |
| JACQUELINE EBERZ3 | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $222 | — | $222 | 3.53% |
| STEPHEN D BISSELL3 Filed as: STEPHEN BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $81 | — | $81 | 1.29% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON ROAD WYOMISSING, PA 19610 | AFLAC | $56 | — | $56 | 0.89% |
| MARK D BARBIER3 Filed as: MARK D.BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $5 | — | $5 | 0.08% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $4 | — | $4 | 0.06% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEECH ROAD WOMELSDORF, PA 19567 | AFLAC | $3 | — | $3 | 0.05% |
| DIANNE L MARTIN3 Filed as: DIANNE L. MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | 0.02% |
| BETHANY L ANDERSON3 Filed as: BETHANY L. ANDERSON | PO BOX 363 ALLENTOWN, PA 18105 | AFLAC | $857 | $60 | $917 | 16.04% |
| DENTON QUICK3 | 2202 WELLINGTON BLVD. WYOMISSING, PA 19610 | AFLAC | $245 | $15 | $260 | 4.55% |
| QUENTIN C KENT3 Filed as: QUENTIN KENT | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $199 | $15 | $214 | 3.74% |
| JACQUELINE EBERZ3 | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $152 | $15 | $167 | 2.92% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $71 | — | $71 | 1.24% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.07% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $3 | — | $3 | 0.05% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | USABLE LIFE | $439 | — | $439 | 19.98% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $110 | — | $110 | 5.01% |
| BETHANY L ANDERSON3 Filed as: BETHANY L. ANDERSON | P. O. BOX 363 ALLENTOWN, PA 18105 | AFLAC | $584 | — | $584 | 29.55% |
| QUENTIN C KENT3 Filed as: QUENTIN C. KENT | P. O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $109 | — | $109 | 5.52% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2170 READING AVENUE WEST LAWN, PA 19609 | AFLAC | $102 | — | $102 | 5.16% |
| JACQUELINE EBERZ3 | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $75 | — | $75 | 3.80% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON BLVD. WYOMISSING, PA 19810 | AFLAC | $41 | — | $41 | 2.07% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $15 | — | $15 | 0.76% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 4949 LIBERTY LANE SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $7 | — | $7 | 0.35% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 196 | $859K |
| Dental(5 contracts, 2 carriers) | HIGHMARK, INC. | 196 | $897K |
| Vision | HIGHMARK, INC. | 196 | $859K |
| Life insurance | USABLE LIFE | 34 | $2K |
| Short-term disability(4 contracts) | AFLAC | 22 | $38K |
| Long-term disability(4 contracts) | AFLAC | 22 | $38K |
| Prescription drug | HIGHMARK, INC. | 196 | $859K |
| Other(5 contracts, 2 carriers) | AFLAC | 34 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
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.