| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 74 BROAD STREET SUITE 370 BETHLEHEM, PA 180185738 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $27K | — | $27K | 3.04% |
| BETHANY L ANDERSON3 Filed as: BETHANY L. ANDERSON | P. O. BOX 363 ALLENTOWN, PA 18105 | AFLAC | $1K | — | $1K | 5.05% |
| BETHANY L ANDERSON3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $937 | — | $937 | 4.50% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON BLVD. WYOMISSING, PA 19610 | AFLAC | $352 | — | $352 | 1.69% |
| WENDY M BOONE3 Filed as: WENDY BOONE | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | AFLAC | $227 | — | $227 | 1.09% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $163 | — | $163 | 0.78% |
| QUENTIN C KENT3 Filed as: QUENTIN C. KENT | P. O. BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $156 | — | $156 | 0.75% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $156 | — | $156 | 0.75% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $92 | — | $92 | 0.44% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR. | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $58 | — | $58 | 0.28% |
| JUSTIN MHLEY3 | 7 JOSEPH DR EAST HANOVER, NJ 07936 | AFLAC | $26 | — | $26 | 0.12% |
| KEVIN W KREPINEVICH3 Filed as: KEVIN KREPINEVICH | 3440 LEHIGH ST PMB102 ALLENTOWN, PA 18103 | AFLAC | $21 | — | $21 | 0.10% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYTON LN OAK BROOK, IL 60523 | AFLAC | $15 | — | $15 | 0.07% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $13 | — | $13 | 0.06% |
| BETH AMBRUSO3 | 7442 FIRESIDE LN FLOWERY BRANCH, GA 30542 | AFLAC | $12 | — | $12 | 0.06% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $12 | — | $12 | 0.06% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $9 | — | $9 | 0.04% |
| DARRIN D. RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $4 | — | $4 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | — | $4 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 30543 | AFLAC | $3 | — | $3 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 08037 | AFLAC | $2 | — | $2 | 0.01% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER A LUPP3 | 940 E. PARK DR SUITE 300 HARRISBURG, PA 08037 | AFLAC | $1 | — | $1 | 0.00% |
| BETHANY L ANDERSON3 | PO BOX 363 ALLENTOWN, PA 18105 | AFLAC | $492 | $74 | $566 | 9.00% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $172 | $30 | $202 | 3.21% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON ROAD WYOMISSING, PA 19610 | AFLAC | $122 | — | $122 | 1.94% |
| BETHANY L ANDERSON3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $109 | — | $109 | 1.73% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $55 | — | $55 | 0.87% |
| QUENTIN C KENT3 Filed as: QUENTIN C. KENT | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $45 | — | $45 | 0.72% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $37 | — | $37 | 0.59% |
| MARK D BARBIER3 Filed as: MARK D.BARBIER | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $2 | — | $2 | 0.03% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $2 | — | $2 | 0.03% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $1 | — | $1 | 0.02% |
| BETHANY L ANDERSON3 Filed as: BETHANY L. ANDERSON | P. O. BOX 363 ALLENTOWN, PA 18105 | AFLAC | $264 | $108 | $372 | 7.91% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON BLVD. WYOMISSING, PA 19610 | AFLAC | $165 | $22 | $187 | 3.98% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $80 | $22 | $102 | 2.17% |
| BETHANY L ANDERSON3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $96 | — | $96 | 2.04% |
| BETHANY L ANDERSON3 Filed as: BETHANY L. ANDERSON | PO BOX 363 ALLENTOWN, PA 18105 | AFLAC | $86 | — | $86 | 3.45% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON BLVD. WYOMISSING, PA 19610 | AFLAC | $82 | — | $82 | 3.29% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $37 | — | $37 | 1.48% |
| BETHANY L ANDERSON3 Filed as: BETHANY ANDERSON | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $36 | — | $36 | 1.44% |
| QUENTIN C KENT3 Filed as: QUENTIN C. KENT | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $31 | — | $31 | 1.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $443 | — | $443 | 20.01% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $111 | — | $111 | 5.01% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | 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 | 140 | $898K |
| Dental(4 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 140 | $927K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 140 | $898K |
| Life insurance | USABLE LIFE | 37 | $2K |
| Short-term disability(4 contracts) | AFLAC | 25 | $34K |
| Long-term disability(4 contracts) | AFLAC | 25 | $34K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 140 | $898K |
| Other(5 contracts, 2 carriers) | AFLAC | 37 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
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.