| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 74 BROAD STREET SUITE 370 BETHLEHEM, PA 180185738 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $30K | — | $30K | 4.22% |
| BETHANY L ANDERSON3 Filed as: BETHANY L. ANDERSON | P. O. BOX 363 ALLENTOWN, PA 18105 | AFLAC | $1K | $136 | $2K | 7.53% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON BLVD. WYOMISSING, PA 19610 | AFLAC | $507 | $34 | $541 | 2.68% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $209 | $34 | $243 | 1.21% |
| QUENTIN C KENT3 Filed as: QUENTIN C. KENT | P. O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $205 | $34 | $239 | 1.19% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $103 | — | $103 | 0.51% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR. | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $58 | — | $58 | 0.29% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $46 | — | $46 | 0.23% |
| JUSTIN MHLEY3 | 7 JOSEPH DRIVE EAST HANOVER, NJ 07936 | AFLAC | $26 | — | $26 | 0.13% |
| KEVIN W KREPINEVICH3 Filed as: KEVIN W. KREPINEVICH | 3440 LEHIGH STREET PMB 102 ALLENTOWN, PA 18103 | AFLAC | $21 | — | $21 | 0.10% |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $18 | — | $18 | 0.09% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $13 | — | $13 | 0.06% |
| BETH A AMBRUSO3 Filed as: BETH A. AMBRUSO | 7442 FIRSIDE LANE FLOWERY BRANCH, GA 30542 | AFLAC | $12 | — | $12 | 0.06% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE ROAD PHILADEPHIA, PA 19125 | AFLAC | $12 | — | $12 | 0.06% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $9 | — | $9 | 0.04% |
| DARREN D RIDDLE3 Filed as: DARREN D. RIDDLE | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $4 | — | $4 | 0.02% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $3 | — | $3 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | — | $3 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN E. BYSTROM | 253 MINORCA BEACH WAY APT. 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
| DIANNE L MARTIN3 Filed as: DIANNE L. MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER A. 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 | $709 | $103 | $812 | 12.92% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON ROAD WYOMISSING, PA 19610 | AFLAC | $140 | $27 | $167 | 2.66% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $142 | — | $142 | 2.26% |
| QUENTIN C KENT3 Filed as: QUENTIN C. KENT | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $66 | $27 | $93 | 1.48% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $66 | $27 | $93 | 1.48% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $74 | — | $74 | 1.18% |
| MARK D BARBIER3 Filed as: MARK D.BARBIER | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.06% |
| 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% |
| BETHANY L ANDERSON3 Filed as: BETHANY L. ANDERSON | P. O. BOX 363 ALLENTOWN, PA 18105 | AFLAC | $1K | $46 | $1K | 31.85% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON BLVD. WYOMISSING, PA 19610 | AFLAC | $301 | $11 | $312 | 6.99% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $186 | — | $186 | 4.17% |
| QUENTIN C KENT3 Filed as: QUENTIN C. KENT | P. O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $15 | $11 | $26 | 0.58% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $14 | $11 | $25 | 0.56% |
| BETHANY L ANDERSON3 Filed as: BETHANY L. ANDERSON | PO BOX 363 ALLENTOWN, PA 18105 | AFLAC | $242 | $22 | $264 | 8.07% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON BLVD. WYOMISSING, PA 19610 | AFLAC | $110 | $5 | $115 | 3.52% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $44 | $5 | $49 | 1.50% |
| QUENTIN C KENT3 Filed as: QUENTIN C. KENT | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $37 | $5 | $42 | 1.28% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $14 | — | $14 | 0.43% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $11 | — | $11 | 0.34% |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $1 | — | $1 | 0.03% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $1 | — | $1 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | USABLE LIFE | $414 | — | $414 | 20.01% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $103 | — | $103 | 4.98% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 136 | $719K |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 136 | $719K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 136 | $719K |
| Life insurance | USABLE LIFE | 37 | $2K |
| Short-term disability(4 contracts) | AFLAC | 21 | $34K |
| Long-term disability(4 contracts) | AFLAC | 21 | $34K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 136 | $719K |
| Other(5 contracts, 2 carriers) | AFLAC | 37 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.