| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | 3605 GLENWOOD AVE STE 370 RALEIGH, NC 27612 | HARTFORD LIFE AND ACCIDENT | $6K | $2K | $9K | 20.00% |
| CRYSTEN CARLENA CAMPBELL3 | 3211 OAK ST READING, PA 19605 | AFLAC | $484 | $30 | $514 | 4.59% |
| JOHN M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $416 | — | $416 | 3.72% |
| DENTON E QUICK3 | 2170 READING AVE WEST LAWN, PA 19609 | AFLAC | $186 | $15 | $201 | 1.80% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $105 | $14 | $119 | 1.06% |
| CHRISTIE S FITZGERALD3 | 5814 YOUNGS HILL RD EASTON, PA 18040 | AFLAC | $116 | — | $116 | 1.04% |
| LYNNE M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $104 | $6 | $110 | 0.98% |
| KEVIN W KREPINEVICH3 | 3440 LEHIGH ST PMB 102 ALLENTOWN, PA 18103 | AFLAC | $88 | — | $88 | 0.79% |
| JAMES ELDER BROOKS3 | 1253 W LEESPORT RD LEESPORT, PA 19533 | AFLAC | $61 | — | $61 | 0.54% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $32 | — | $32 | 0.29% |
| NICHOLE E ZELCS3 | 42 LINDY LN BOYERTOWN, PA 19512 | AFLAC | $15 | $8 | $23 | 0.21% |
| KYMBERLY G KNOTT3 | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $22 | — | $22 | 0.20% |
| JEFFREY C GRIM3 | 4700 DUNHAM DR READING, PA 19606 | AFLAC | $16 | — | $16 | 0.14% |
| WILLIAM M KNOTT3 | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $14 | — | $14 | 0.13% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $13 | — | $13 | 0.12% |
| TIMOTHY A MCFADDEN3 | 462 MOUNTAIN VIEW DR HAMBURG, PA 19526 | AFLAC | $12 | — | $12 | 0.11% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $9 | — | $9 | 0.08% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $6 | — | $6 | 0.05% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $6 | — | $6 | 0.05% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $4 | — | $4 | 0.04% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DR SINKING SPRING, PA 19608 | AFLAC | $3 | — | $3 | 0.03% |
| EDEN RACHAEL GURI3 | 514 E PAOLI ST ALLENTOWN, PA 18103 | AFLAC | $3 | — | $3 | 0.03% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $2 | — | $2 | 0.02% |
| IRENE E BROOKS3 | 833 NORTH PARK ROAD SUITE 220 READING, PA 19610 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD SUITE 102 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 212 | $43K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 212 | $43K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 233 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.