| 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 RALEIGH, NC 27612 | HARTFORD LIFE AND ACCIDENT | $7K | $2K | $9K | 20.00% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | AFLAC | $3K | — | $3K | 16.46% |
| DENTON E QUICK3 | 2170 READING AVE WEST LAWN, PA 19609 | AFLAC | $661 | $3 | $664 | 3.29% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $499 | $3 | $502 | 2.49% |
| JOHN M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $360 | $5 | $365 | 1.81% |
| CHRISTIE S FITZGERALD3 | 5814 YOUNGS HILL RD EASTON, PA 18040 | AFLAC | $113 | — | $113 | 0.56% |
| KEVIN W KREPINEVICH3 | 3440 LEHIGH ST PMB 102 ALLENTOWN, PA 18103 | AFLAC | $88 | — | $88 | 0.44% |
| JOSEPH B MCGINTY JR3 | 4949 LIBERTY LN STE 310 ALLENTOWN, PA 18106 | AFLAC | $67 | — | $67 | 0.33% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $66 | — | $66 | 0.33% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19587 | AFLAC | $61 | — | $61 | 0.30% |
| LYNNE M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $54 | — | $54 | 0.27% |
| CRYSTEN CARLENA CAMPBELL3 | 3211 OAK ST READING, PA 19605 | AFLAC | $43 | $6 | $49 | 0.24% |
| RICHARD C SMITH JR3 | 147 KINGSTON ROAD CHELTENHAM, PA 19012 | AFLAC | $40 | — | $40 | 0.20% |
| CEASAR D WILLIAMS JR3 | 325 CHESTNUT ST 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $39 | — | $39 | 0.19% |
| CECILIA K WILLIAMS3 | 1429 WALNUT STREET STE 601 PHILADELPHIA, PA 19102 | AFLAC | $32 | — | $32 | 0.16% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $27 | — | $27 | 0.13% |
| KYMBERLY G KNOTT3 | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $23 | — | $23 | 0.11% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85288 | AFLAC | $20 | — | $20 | 0.10% |
| JEFFREY C GRIM3 | 4700 DUNHAM DR READING, PA 19606 | AFLAC | $16 | — | $16 | 0.08% |
| WILLIAM M KNOTT3 | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $14 | — | $14 | 0.07% |
| TIMOTHY A MCFADDEN3 | 462 MOUNTAIN VIEW DR HAMBURG, PA 19526 | AFLAC | $12 | — | $12 | 0.06% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $9 | — | $9 | 0.04% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $8 | — | $8 | 0.04% |
| KAY S WASHINGTON3 | 651 EAST TOWNSHIP LINE ROAD BLUE BELL, PA 19422 | AFLAC | $8 | — | $8 | 0.04% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $6 | — | $6 | 0.03% |
| IRENE E BROOKS3 | 101 COPPER BEECH LANE SUITE 220 WOMELSDORF, PA 19587 | AFLAC | $6 | — | $6 | 0.03% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $5 | — | $5 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.02% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR. SUITE 301 HARRISBURG, PA 17111 | AFLAC | $5 | — | $5 | 0.02% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.02% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE STE 310 ALLENTOWN, PA 18106 | AFLAC | $4 | — | $4 | 0.02% |
| CAESAR D WILLIAMS JR3 | 123 S BROAD ST STE 1640 PHILADELPHIA, PA 19109 | AFLAC | $4 | — | $4 | 0.02% |
| EDEN RACHAEL GURI3 | 514 E PAOLI ST ALLENTOWN, PA 18103 | AFLAC | $2 | — | $2 | 0.01% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $2 | — | $2 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $2 | — | $2 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
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 | 448 | 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) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 229 | $44K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 229 | $44K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 448 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.