| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | AETNA LIFE INSURANCE CO. | $49K | — | $49K | 38.19% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O.BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 2.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REESDALE ST STE 2005 PITTSBURGH, PA 15233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 31.21% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.98% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | P.O. BOX 11600 LANCASTER, PA 17605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.56% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC. | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | AFLAC | $172 | — | $172 | 3.45% |
| CHRISTIAN D SANTIAGO3 | 121 TUDOR LANE BIRDSBORO, PA 19508 | AFLAC | $124 | — | $124 | 2.49% |
| DAVID B SPENCER3 | 303 GOLF RD MYERSTOWN, PA 17067 | AFLAC | $94 | $3 | $97 | 1.95% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $59 | $3 | $62 | 1.24% |
| BETH ANN RIDER3 | 1 LAUREN LN EPHRATA, PA 17522 | AFLAC | $18 | $12 | $30 | 0.60% |
| BRAD ANDREW NELSON3 Filed as: BRAD GOLDSMITH | 913 SHIREMONT DR MECHANICSBURG, PA 17050 | AFLAC | $16 | — | $16 | 0.32% |
| ENROLLEASE3 Filed as: MARK A CLARKE | 317 WILLOW AVE CAMP HILL, PA 17011 | AFLAC | $15 | — | $15 | 0.30% |
| BRYAN LIBBY3 Filed as: BRYAN DALE LIBBY | PO BOX 554 HILLARD, FL 32046 | AFLAC | $4 | — | $4 | 0.08% |
| DAVID C SWEIGARD3 | 2603 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $2 | — | $2 | 0.04% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER, INC | 12942 193RD AVE E BONNEY LAKE, WA 98391 | AFLAC | $2 | — | $2 | 0.04% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC. | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | AFLAC | $74 | — | $74 | 4.39% |
| CHRISTOPHER C HAYWARD3 | 4921 BONSAI CIR APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $25 | — | $25 | 1.48% |
| CHRISTIAN D SANTIAGO3 Filed as: CHRISTIAN SANTIAGO | 121 TUDOR LN BIRDSBORO, PA 19508 | AFLAC | $15 | — | $15 | 0.89% |
| BRYAN LIBBY3 Filed as: BRYAN DALE LIBBY | PO BOX 554 HILLIARD, FL 32046 | AFLAC | $13 | — | $13 | 0.77% |
| DAVID C SWEIGARD3 | 2603 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $7 | — | $7 | 0.42% |
| DAVID B SPENCER3 | 303 GOLF RD MYERSTOWN, PA 17067 | AFLAC | $6 | — | $6 | 0.36% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES, INC | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $6 | — | $6 | 0.36% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER, INC | 12942 193RD AVE E BONNEY LAKE, WA 98391 | AFLAC | $5 | — | $5 | 0.30% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $5 | — | $5 | 0.30% |
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 | 763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 419 | $136K |
| Vision | VISION BENEFITS OF AMERICA | 449 | $48K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $15K |
| Other(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 712 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.