| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN R MCSHERRY3 | 1330 BRIARGATE DRIVE YORK, PA 17404 | AFLAC | $4K | $359 | $4K | 5.50% |
| JANE N ARTMAN3 | 75 ARTMAN AVE HELLAM, PA 17406 | AFLAC | $2K | — | $2K | 2.99% |
| STEPHEN BRETZ3 | 7950 TANGLEWOOD DRIVE NEW PORT RICHEY, FL 34654 | AFLAC | $1K | — | $1K | 1.51% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $1K | $72 | $1K | 1.47% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $737 | — | $737 | 0.99% |
| ADAM DANIEL LEVINE3 | 200 BUTLER AVE STE 200 LANCASTER, PA 17601 | AFLAC | $468 | — | $468 | 0.63% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $364 | — | $364 | 0.49% |
| LISA H PERRY3 | 1650 SAND LAKE ROAD SUITE 201D ORLANDO, FL 32809 | AFLAC | $314 | — | $314 | 0.42% |
| BRIAN L HURST3 | 255 BUTLER AVE STE 104 LANCASTER, PA 17601 | AFLAC | $226 | — | $226 | 0.30% |
| TODD E SHENBERGER3 | 3620 WYOMING BLVD NE SUITE 102G ALBUQUERQUE, NM 87111 | AFLAC | $217 | — | $217 | 0.29% |
| ROBERT W RICHARDSON3 | 1860 HUNTERS FORK RD BELINGTON, WV 26250 | AFLAC | $211 | — | $211 | 0.28% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE STE 101 HARRISBURG, PA 17110 | AFLAC | $96 | $72 | $168 | 0.22% |
| MELYNDA S HASSELBACH3 | 53 BLUE ROCK ROAD MILLERSVILLE, PA 17551 | AFLAC | $133 | — | $133 | 0.18% |
| RANDALL D NAFTAL3 | 37 NORTH VALLEY ROAD 2 STATION SQUARE SUITE 201 PAOLI, PA 19301 | AFLAC | $113 | — | $113 | 0.15% |
| EVA M ALEXANDER3 | 119 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $110 | — | $110 | 0.15% |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $105 | — | $105 | 0.14% |
| SHELLY S GWIN3 | 94 OATFIELD DR DENVER, PA 17517 | AFLAC | $91 | — | $91 | 0.12% |
| BONITA REID3 | 463 NEW DORWART ST LANCASTER, PA 17603 | AFLAC | $87 | — | $87 | 0.12% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $82 | — | $82 | 0.11% |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $82 | — | $82 | 0.11% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $59 | — | $59 | 0.08% |
| HERNANDO FINANCIAL SERVICES INC3 | 271 COUNTY ROAD 255 ATHENS, TN 37303 | AFLAC | $56 | — | $56 | 0.07% |
| MARILYN BRANNEN3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $54 | — | $54 | 0.07% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $47 | — | $47 | 0.06% |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRL BANNER ELK, NC 28604 | AFLAC | $42 | — | $42 | 0.06% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $41 | — | $41 | 0.05% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $27 | — | $27 | 0.04% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $25 | — | $25 | 0.03% |
| RANDALL D NAFTAL3 Filed as: RANDALL NAFTAL | 2 STATION SQ STE 201 37 NORTH VALLEY ROAD PAOLI, PA 19301 | AFLAC | $25 | — | $25 | 0.03% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $22 | — | $22 | 0.03% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $19 | — | $19 | 0.03% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE ROAD GETTYSBURG, PA 17325 | AFLAC | $15 | — | $15 | 0.02% |
| EVA M ALEXANDER0 | 119 WINDING HILL DR LANCASTER, PA 17601 | AFLAC | $12 | — | $12 | 0.02% |
| MICHAEL P NORRIS3 | 200 DALLAM RD NEWARK, DE 19711 | AFLAC | $9 | — | $9 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $9 | — | $9 | 0.01% |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $7 | — | $7 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST # 3 PHILADELPHIA, PA 19106 | AFLAC | $6 | — | $6 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | — | $5 | 0.01% |
| IRENE E BROOKS3 | 833 NORTH PARK ROAD SUITE 220 READING, PA 19610 | AFLAC | $5 | — | $5 | 0.01% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $2 | — | $2 | 0.00% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $2 | — | $2 | 0.00% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | 39 N DUKE ST LANCASTER, PA 17602 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.37% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 88 | $75K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 163 | $104K |
| Short-term disability | AFLAC | 88 | $75K |
| Other | AFLAC | 88 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.