| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL PENN INSURANCE SERVICES3 | 74 W BROAD ST STE 370 BETHLEHEM, PA 18018 | GUARDIAN | $10K | $0 | $10K | 15.08% |
| JOHN M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $480 | $0 | $480 | 3.22% |
| NICHOLE E ZELCS3 | 42 LINDY LN BOYERTOWN, PA 19512 | AFLAC | $406 | $0 | $406 | 2.72% |
| LYNNE M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $325 | $26 | $351 | 2.35% |
| DENTON E QUICK3 | 2170 READING AVE WEST LAWN, PA 19609 | AFLAC | $309 | $17 | $326 | 2.19% |
| CRYSTEN CARLENA CAMPBELL3 | 3211 OAK ST READING, PA 19605 | AFLAC | $293 | $0 | $293 | 1.96% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $182 | $18 | $200 | 1.34% |
| CHRISTIE S FITZGERALD3 | 5814 YOUNGS HLLL RD EASTON, PA 18040 | AFLAC | $131 | $0 | $131 | 0.88% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DR SINKING SPRING, PA 19608 | AFLAC | $101 | $17 | $118 | 0.79% |
| KEVIN W KREPINEVICH3 | 3440 LEHIGH ST PMB 102 ALLENTOWN, PA 18103 | AFLAC | $88 | $0 | $88 | 0.59% |
| EDEN RACHAEL GURI3 | 514 E PAOLI ST ALLENTOWN, PA 18103 | AFLAC | $64 | $10 | $74 | 0.50% |
| JAMES ELDER BROOKS3 | 1253 W LEESPORT RD LEESPORT, PA 19533 | AFLAC | $61 | $0 | $61 | 0.41% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $39 | $17 | $56 | 0.38% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $42 | $0 | $42 | 0.28% |
| TIMOTHY A MCFADDEN3 | 462 MOUNTAIN VIEW DR HAMBURG, PA 19526 | AFLAC | $25 | $8 | $33 | 0.22% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $24 | $0 | $24 | 0.16% |
| KYMBERLY G KNOTT3 | 35606 GREEN FOREST DR EUSTIS, FL 32736 | AFLAC | $23 | $0 | $23 | 0.15% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $20 | $0 | $20 | 0.13% |
| JEFFREY C GRIM3 | 4700 DUNHAM DR READING, PA 19606 | AFLAC | $16 | $0 | $16 | 0.11% |
| WILLIAM M KNOTT3 | 35606 GREEN FOREST DR EUSTIS, FL 32736 | AFLAC | $14 | $0 | $14 | 0.09% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $12 | $0 | $12 | 0.08% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $7 | $0 | $7 | 0.05% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | $0 | $2 | 0.01% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN | 209 | $67K |
| Long-term disability | GUARDIAN | 209 | $67K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 167 | $258K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 221 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.