| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIAETS, INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.60% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES, INC | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.57% |
| MICHELLE M REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $1K | — | $1K | 5.81% |
| ROLLIN C PRICE3 | 758 CEMETERY ROAD MUNCY, PA 17756 | AFLAC | $651 | — | $651 | 3.45% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $296 | — | $296 | 1.57% |
| JACK A MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $166 | — | $166 | 0.88% |
| FRED A REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $120 | — | $120 | 0.64% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $100 | — | $100 | 0.53% |
| DELMAS R BUTLER JR3 | 46 SOUTH TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $97 | — | $97 | 0.51% |
| SHELLY J. CAMPO3 Filed as: SHELLY J CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $70 | — | $70 | 0.37% |
| GEARY L WALIZER3 | PO BOX 948 LOCK HAVEN, PA 17745 | AFLAC | $57 | — | $57 | 0.30% |
| C A LUPP INC3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $55 | — | $55 | 0.29% |
| MARK L HUFHAND3 | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $47 | — | $47 | 0.25% |
| LEE R KALTENBACH3 | 743 STONY FORK RD WELLSBORO, PA 16901 | AFLAC | $46 | — | $46 | 0.24% |
| VICTOR LYSCZEK3 | 1528 CONCORD RD WYOMISSING, PA 19810 | AFLAC | $44 | — | $44 | 0.23% |
| IRENE E BROOKS3 | 1253 W LEESPORT RD STE 102 LEESPORT, PA 19533 | AFLAC | $42 | — | $42 | 0.22% |
| DIVERSIFIED SOLUTIONS GROUP INC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $34 | — | $34 | 0.18% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $26 | — | $26 | 0.14% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $23 | — | $23 | 0.12% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $22 | — | $22 | 0.12% |
| STEPHEN G SCHULTZ3 Filed as: STEPHEN G SHULTZ | 264 LEONARD ST BLOOMSBURG, PA 17815 | AFLAC | $20 | — | $20 | 0.11% |
| MARK D BARBIER3 | 602 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $17 | — | $17 | 0.09% |
| GARY J BRENNAN II3 | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $15 | — | $15 | 0.08% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $15 | — | $15 | 0.08% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS & FIN SVCS LLC | T/A GANNON ASSOCIATES PO BOX 327 TOWANDA, PA 18848 | AFLAC | $15 | — | $15 | 0.08% |
| DEBRA L CARL3 Filed as: DEBRA L CARD | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $12 | — | $12 | 0.06% |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $12 | — | $12 | 0.06% |
| HENRY DUNN INC3 | 317 MAIN ST PO BOX 109 TOWANDA, PA 18848 | AFLAC | $8 | — | $8 | 0.04% |
| JAMES I IDDINGS SR3 Filed as: JAMES I IDDING SR | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $7 | — | $7 | 0.04% |
| JOSEPH F RACHED3 | 18901 APIAN WAY LUTZ, FL 33558 | AFLAC | $3 | — | $3 | 0.02% |
| LOUIS DIBILEO SR INC3 Filed as: LOUIS DIBILEO SR. INC. | 1990 CULPEPPER WAY THE VILLAGES, FL 32162 | AFLAC | $3 | — | $3 | 0.02% |
| KEYSTONE PACESETTERS INC3 | 100 SPRING HARBOR DRIVE #565 COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.01% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES, INC | 401 CRANBERRY STREET SUITE 100 ERIE, PA 16507 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MICHELLE M REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $881 | $64 | $945 | 8.13% |
| ROLLIN C PRICE3 | 758 CEMETARY ROAD MUNCY, PA 17758 | AFLAC | $217 | — | $217 | 1.87% |
| JEFFERY CHUBB3 | 520 W FOURTH STREET STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $193 | $13 | $206 | 1.77% |
| DELMAS R BUTLER JR3 | 45 SOUTH TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $164 | — | $164 | 1.41% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $144 | $13 | $157 | 1.35% |
| IRENE E BROOKS3 | 1253 W LEESPORT RD LEESPORT, PA 19533 | AFLAC | $70 | — | $70 | 0.60% |
| FRED A REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $69 | — | $69 | 0.59% |
| JACK A MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $59 | — | $59 | 0.51% |
| SHELLY J. CAMPO3 Filed as: SHELLY CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $54 | — | $54 | 0.46% |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $49 | — | $49 | 0.42% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $23 | — | $23 | 0.20% |
| C A LUPP INC3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $20 | — | $20 | 0.17% |
| GEARY L WALIZER3 | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $19 | — | $19 | 0.16% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $8 | — | $8 | 0.07% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $6 | — | $6 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $5 | — | $5 | 0.04% |
| DIVERSIFIED SOLUTIONS GROUP INC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $4 | — | $4 | 0.03% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $4 | — | $4 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HM LIFE INSURANCE COMPANY NONE | Insurance services Service code 23 | PO BOX 535061, SUITE P6411 PITTSBURGH, PA 152223099 | $258K |
| BLUE CROSS OF NORTHEASTERN PENNSYLV EIN 24-0615177 NONE | Claims processing Service code 12 | — | $103K |
| THE BENECON GROUP, INC. EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $22K |
| L.R. WEBBER ASSOCIATES EIN 25-1301205 NONE | Insurance agents and brokers Service code 22 | — | $22K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $6K |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 148 | $18K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $60K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.