| 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 | $7K | — | $7K | 7.75% |
| 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 | $9K | — | $9K | 14.97% |
| MICHELLE M REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $5K | $771 | $5K | 13.27% |
| R & B INSURANCE SERVICES LLC3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $1K | $3 | $1K | 3.39% |
| NORTH EAST EMPIRE INC3 | 8 W BROAD ST STE 720 HAZLETON, PA 18201 | AFLAC | $1K | $152 | $1K | 2.96% |
| JEFFERY CHUBB3 | 520 W FOURTH STREET STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $962 | $154 | $1K | 2.73% |
| REEDER INS LLC3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $614 | — | $614 | 1.50% |
| MOLLIE PRICE3 | 758 CEMETARY ROAD MUNCY, PA 17758 | AFLAC | $225 | — | $225 | 0.55% |
| DELMAS R BUTLER JR3 | 45 SOUTH TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $169 | — | $169 | 0.41% |
| FRED A REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $89 | — | $89 | 0.22% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $88 | — | $88 | 0.22% |
| IRENE E BROOKS3 | 1253 W LEESPORT RD LEESPORT, PA 19533 | AFLAC | $83 | — | $83 | 0.20% |
| SHELLY J. CAMPO3 Filed as: SHELLY CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $56 | — | $56 | 0.14% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $24 | — | $24 | 0.06% |
| GEARY L WALIZER3 | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $22 | — | $22 | 0.05% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $15 | — | $15 | 0.04% |
| C A LUPP INC3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $13 | — | $13 | 0.03% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $9 | — | $9 | 0.02% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $8 | — | $8 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $8 | — | $8 | 0.02% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $7 | — | $7 | 0.02% |
| CHRISTOPHER A LUPP3 | 940 PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $5 | — | $5 | 0.01% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | — | $4 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | — | $3 | 0.01% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE M REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $2K | $230 | $3K | 8.17% |
| NORTH EAST EMPIRE INC3 | 8 W BROAD ST STE 720 HAZLETON, PA 18201 | AFLAC | $725 | $46 | $771 | 2.31% |
| MOLLIE PRICE3 | 758 CEMETERY RD MUNCY, PA 17756 | AFLAC | $719 | — | $719 | 2.16% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $658 | $46 | $704 | 2.11% |
| REEDER INS LLC3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $355 | — | $355 | 1.07% |
| R & B INSURANCE SERVICES LLC3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $333 | — | $333 | 1.00% |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $144 | — | $144 | 0.43% |
| LEE R KALTENBACH3 | 10 COLE ST APT 510 WELLSBORO, PA 16901 | AFLAC | $137 | — | $137 | 0.41% |
| DELMAS R BUTLER JR3 | 46 SOUTH TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $117 | — | $117 | 0.35% |
| LARRY L NEWMAN3 | PO BOX 785 SUNBURY, PA 17801 | AFLAC | $93 | — | $93 | 0.28% |
| GEARY L WALIZER3 | PO BOX 948 LOCK HAVEN, PA 17745 | AFLAC | $88 | — | $88 | 0.26% |
| SHELLY J. CAMPO3 Filed as: SHELLY J CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $84 | — | $84 | 0.25% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $80 | — | $80 | 0.24% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $68 | — | $68 | 0.20% |
| MARK L HUFHAND3 | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $60 | — | $60 | 0.18% |
| JOAN LYSCZEK3 | 1528 CONCORD RD WYOMISSING, PA 19810 | AFLAC | $53 | — | $53 | 0.16% |
| C A LUPP INC3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $41 | — | $41 | 0.12% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $30 | — | $30 | 0.09% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $28 | — | $28 | 0.08% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $27 | — | $27 | 0.08% |
| STEPHEN G SCHULTZ3 Filed as: STEPHEN G SHULTZ | 264 LEONARD ST BLOOMSBURG, PA 17815 | AFLAC | $24 | — | $24 | 0.07% |
| BLACK ROK BENEFIT ALLIANCE LLC3 Filed as: BLACK ROK BENEFIT ALLIANCE, LLC | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $22 | — | $22 | 0.07% |
| JAMES BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $21 | — | $21 | 0.06% |
| GARY J BRENNAN II3 | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $18 | — | $18 | 0.05% |
| JOSEPH F RACHED3 | 18901 APIAN WAY LUTZ, FL 33558 | AFLAC | $13 | — | $13 | 0.04% |
| LOUIS DIBILEO SR INC3 Filed as: LOUIS DIBILEO SR. INC. | 1990 CULPEPPER WAY THE VILLAGES, FL 32162 | AFLAC | $13 | — | $13 | 0.04% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $11 | — | $11 | 0.03% |
| MARK D BARBIER3 | 602 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $11 | — | $11 | 0.03% |
| HENRY DUNN INC3 | 317 MAIN ST PO BOX 109 TOWANDA, PA 18848 | AFLAC | $9 | — | $9 | 0.03% |
| JAMES I IDDINGS SR3 Filed as: JAMES I IDDING SR | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $9 | — | $9 | 0.03% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS & FIN SVCS LLC | T/A GANNON ASSOCIATES PO BOX 327 TOWANDA, PA 18848 | AFLAC | $7 | — | $7 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $7 | — | $7 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $6 | — | $6 | 0.02% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $5 | — | $5 | 0.02% |
| 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 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID W RANCK3 | 848 E MAIN ST SUITE 800 EPHRATA, PA 17522 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $478K |
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $122K |
| THE BENECON GROUP, INC. EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $30K |
| L.R. WEBBER ASSOCIATES EIN 25-1301205 NONE | Insurance agents and brokers Service code 22 | — | $30K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $8K |
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 | 247 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 191 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $151K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $91K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.