| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21031 | HIGHMARK | $43K | — | $43K | 2.52% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP, INC. | 999 BERKSHIRE BLVD STE 160 READING, PA 19610 | HIGHMARK | $13K | — | $13K | 0.75% |
| MARY A BARANSKI3 | 103 E COUNTRYSIDE DR. BOILING SPRINGS, PA 17007 | AFLAC | $5K | $135 | $5K | 8.57% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY SUITE 304 HARRISBURG, PA 17110 | AFLAC | $768 | $23 | $791 | 1.38% |
| EVA M ALEXANDER3 | 119 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $603 | — | $603 | 1.05% |
| BONITA REID3 | 463 NEW DORWART ST LANCASTER, PA 17603 | AFLAC | $455 | — | $455 | 0.80% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $409 | — | $409 | 0.72% |
| JASON E FERGER3 | 3706 EAGLEWOOD STREET VALRICO, FL 33596 | AFLAC | $368 | — | $368 | 0.64% |
| DAVID C SWEIGARD3 | 2575E PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $348 | — | $348 | 0.61% |
| C A LUPP INC3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $179 | — | $179 | 0.31% |
| TAMMIE S FERGER3 | 2562 ABBY LANE DOVER, PA 17315 | AFLAC | $126 | — | $126 | 0.22% |
| GERALD L WALSH3 Filed as: GERALD WALSH | 39 POCHAHONTAS LANE HALIFAX, PA 17032 | AFLAC | $122 | — | $122 | 0.21% |
| J D LUEDTKE INC3 | 313 4TH ST HANOVER, PA 17331 | AFLAC | $118 | — | $118 | 0.21% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $113 | — | $113 | 0.20% |
| SHELLY S GWIN3 | 94 OATFIELD DRIVE DENVER, PA 17517 | AFLAC | $94 | — | $94 | 0.16% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $86 | — | $86 | 0.15% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $77 | — | $77 | 0.13% |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRL BANNER ELK, NC 28604 | AFLAC | $50 | — | $50 | 0.09% |
| RANDALL D NAFTAL3 | 37 N VALLEY RD 2 STATION SQ STE 201 PAOLI, PA 19301 | AFLAC | $43 | — | $43 | 0.08% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $39 | — | $39 | 0.07% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $35 | — | $35 | 0.06% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $31 | — | $31 | 0.05% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $30 | — | $30 | 0.05% |
| BERNARD L JESSUP III3 | 4 MOODY PL NEWARK, DE 19702 | AFLAC | $23 | — | $23 | 0.04% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $23 | — | $23 | 0.04% |
| SUSAN R MCSHERRY3 | 1330 BRIARGATE DRIVE YORK, PA 17404 | AFLAC | $20 | — | $20 | 0.03% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $17 | — | $17 | 0.03% |
| RUSSELL P LASNER3 | 1001 TIMMONY CIR ACCOKEEK, MD 20607 | AFLAC | $16 | — | $16 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $14 | — | $14 | 0.02% |
| JOHN DEPRISCO JR3 | 573 BELLEVUE RD STE B NEWARK, DE 19713 | AFLAC | $7 | — | $7 | 0.01% |
| FREDERICK W WILSON III3 | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $6 | — | $6 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $5 | — | $5 | 0.01% |
| BRANDON HUSON3 | 6373 LAKE ROAD YORK, PA 17403 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL C WALKER3 | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| JASON D ELLIS3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21031 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $939 | $3K | 14.50% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 142 | $1.7M |
| Dental | AFLAC | 75 | $57K |
| Vision | AFLAC | 75 | $57K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 165 | $76K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 165 | $76K |
| Prescription drug | HIGHMARK | 142 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 165 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.