| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | — | HIGHMARK, INC. | $30K | $0 | $30K | 1.99% |
| NICOLAS METSUKA3 Filed as: NICOLAS FRANKLIN TRANGUCH | — | HIGHMARK, INC. | $2K | $0 | $2K | 0.16% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | 201 E OREGON RD LITITZ, PA 17543 | HIGHMARK, INC. | $870 | $0 | $870 | 0.06% |
| JILLIAN FERENTZ3 | 445 PRINGLE STREET PRINGLE, PA 18704 | HIGHMARK, INC. | $810 | $0 | $810 | 0.05% |
| BETHANY L ANDERSON3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $2K | $0 | $2K | 6.62% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $401 | $0 | $401 | 1.37% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $278 | $0 | $278 | 0.95% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 57754 | AFLAC | $273 | $0 | $273 | 0.93% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $215 | $0 | $215 | 0.74% |
| ISABELLA ROSE ANDREWS3 | 6154 VERA CRUZ RD CENTER VALLEY, PA 18034 | AFLAC | $160 | $0 | $160 | 0.55% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $131 | $0 | $131 | 0.45% |
| QUENTIN C KENT3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $130 | $0 | $130 | 0.44% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $50 | $0 | $50 | 0.17% |
| MORGAN ALMODOVAR3 | 438 MYER TER LEOLA, PA 17540 | AFLAC | $46 | $0 | $46 | 0.16% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D BISSEL | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $46 | $0 | $46 | 0.16% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $26 | $0 | $26 | 0.09% |
| KEVIN W KREPINEVICH3 | 2091 E TEXAS RD ALLENTOWN, PA 18103 | AFLAC | $20 | $0 | $20 | 0.07% |
| MATTHEW G BERGER3 | 10 UNION AVE APT 302 BALA CYNWYD, PA 19004 | AFLAC | $14 | $0 | $14 | 0.05% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $11 | $0 | $11 | 0.04% |
| JAMES ELDER BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $9 | $0 | $9 | 0.03% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $6 | $0 | $6 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $4 | $0 | $4 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | $0 | $4 | 0.01% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $2 | $0 | $2 | 0.01% |
| CHRISTOPHER A LUPP3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $1 | $0 | $1 | 0.00% |
| BETHANY L ANDERSON3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $230 | $0 | $230 | 5.21% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $115 | $0 | $115 | 2.61% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $53 | $0 | $53 | 1.20% |
| QUENTIN C KENT3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $43 | $0 | $43 | 0.97% |
| WENDY M BOONE3 | 20990 CALAMAITY GULCH LN LEAD, SD 57754 | AFLAC | $32 | $0 | $32 | 0.73% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $15 | $0 | $15 | 0.34% |
| ASSUREDPARTNERS3 Filed as: AP BENEIFT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | USABLE LIFE | $342 | $0 | $342 | 15.07% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS INC. | 2500 ELMERTON AVE HARRISBURG, PA 17110 | USABLE LIFE | $116 | $0 | $116 | 5.11% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: HAMPSON MOWRER AGENCY INC. | 54 S COMMERCE WAY BETHLEHEM, PA 18017 | USABLE LIFE | $46 | $0 | $46 | 2.03% |
| BETHANY L ANDERSON3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $57 | $0 | $57 | 5.60% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 57754 | AFLAC | $31 | $0 | $31 | 3.05% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $14 | $0 | $14 | 1.38% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 178 | $1.5M |
| Dental | HIGHMARK, INC. | 178 | $1.5M |
| Vision | HIGHMARK, INC. | 178 | $1.5M |
| Life insurance | USABLE LIFE | 32 | $2K |
| Prescription drug | HIGHMARK, INC. | 178 | $1.5M |
| Other(4 contracts, 2 carriers) | AFLAC | 32 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.