| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 20.00% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | AFLAC | $573 | $226 | $799 | 6.96% |
| JOHN M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $281 | — | $281 | 2.45% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PR 19610 | AFLAC | $178 | $38 | $216 | 1.88% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $108 | $44 | $152 | 1.32% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $99 | — | $99 | 0.86% |
| CHRISTIE S FITZGERALD3 | 5814 YOUNGS HILL RD EASTON, PA 18040 | AFLAC | $93 | — | $93 | 0.81% |
| MCGRIFF INSURANCE SERVICES INC3 | 745 HAMILTON STREET SUITE 900 ALLENTOWN, PA 18104 | AFLAC | $83 | — | $83 | 0.72% |
| DEBORAH DOUGHER3 Filed as: DEBORAH ANN DOUGHER | 1116 N 18TH ST ALLENTOWN, PA 18104 | AFLAC | $72 | — | $72 | 0.63% |
| KEVIN W KREPINEVICH3 | 3440 LEHIGH ST PMB 102 ALLENTOWN, PA 18103 | AFLAC | $69 | — | $69 | 0.60% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19587 | AFLAC | $48 | — | $48 | 0.42% |
| CEASAR D WILLIAMS JR3 | 325 CHESTNUT ST 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $38 | — | $38 | 0.33% |
| LYNNE M HARTMAN3 | 1841 LINCOLN AVE WYOMISSING, PA 19610 | AFLAC | $37 | — | $37 | 0.32% |
| RICHARD C SMITH JR3 | 147 KINGSTON ROAD CHELTENHAM, PA 19012 | AFLAC | $29 | — | $29 | 0.25% |
| CECILIA K WILLIAMS3 | 1429 WALNUT STREET STE 601 PHILADELPHIA, PA 19102 | AFLAC | $28 | — | $28 | 0.24% |
| KYMBERLY G KNOTT3 | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $19 | — | $19 | 0.17% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $19 | — | $19 | 0.17% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR SUITE 212 TEMPE, AZ 85282 | AFLAC | $14 | — | $14 | 0.12% |
| WILLIAM M KNOTT3 | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $12 | — | $12 | 0.10% |
| JEFFREY C GRIM3 | 4700 DUNHAM DR READING, PA 19606 | AFLAC | $12 | — | $12 | 0.10% |
| TIMOTHY A MCFADDEN3 | 462 MOUNTAIN VIEW DR HAMBURG, PA 19526 | AFLAC | $8 | — | $8 | 0.07% |
| KAY S WASHINGTON3 | 651 EAST TOWNSHIP LINE ROAD BLUE BELL, PA 19422 | AFLAC | $7 | — | $7 | 0.06% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $6 | — | $6 | 0.05% |
| RICHARD C SMITH JR3 | 215 HAWS LN FLOURTOWN, PA 19031 | AFLAC | $6 | — | $6 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $5 | — | $5 | 0.04% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $5 | — | $5 | 0.04% |
| IRENE E BROOKS3 | 101 COPPER BEECH LANE SUITE 220 WOMELSDORF, PA 19587 | AFLAC | $5 | — | $5 | 0.04% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR. SUITE 301 HARRISBURG, PA 17111 | AFLAC | $5 | — | $5 | 0.04% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85288 | AFLAC | $4 | — | $4 | 0.03% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $4 | — | $4 | 0.03% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.03% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $3 | — | $3 | 0.03% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.03% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.02% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $2 | — | $2 | 0.02% |
| EDEN RACHAEL GURI3 | 514 E PAOLI ST ALLENTOWN, PA 18103 | AFLAC | $2 | — | $2 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.01% |
| KAY S WASHINGTON3 Filed as: KAY S WASHINGOTON | 651 E TOWNSHIP LINE RD BLUE BELL, PA 19422 | 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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 263 | $53K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 263 | $53K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 268 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.