| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES, INC. | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.57% |
| 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 | $4K | — | $4K | 11.16% |
| MICHELLE M REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $2K | — | $2K | — |
| ROLLIN C PRICE3 | 758 CEMETERY RD MUNCY, PA 17756 | AFLAC | $469 | — | $469 | — |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $468 | — | $468 | — |
| R & B INSURANCE SERVICES LLC3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $387 | — | $387 | — |
| NORTH EAST EMPIRE INC3 | 268 E END CTR WILKES BARRE, PA 18702 | AFLAC | $267 | — | $267 | — |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $108 | — | $108 | — |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $88 | — | $88 | — |
| LEE R KALTENBACH3 | 10 COLE ST APT 510 WELLSBORO, PA 16901 | AFLAC | $84 | — | $84 | — |
| GEARY L WALIZER3 | PO BOX 948 LOCK HAVEN, PA 17745 | AFLAC | $66 | — | $66 | — |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $56 | — | $56 | — |
| IRENE E BROOKS3 | 11 COPPER BEECH LN WOMELSDORF, PA 18054 | AFLAC | $51 | — | $51 | — |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $48 | — | $48 | — |
| REEDER INS LLC3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $45 | — | $45 | — |
| MARK L HUFHAND3 | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $34 | — | $34 | — |
| VICTOR LYSCZEK3 | 1528 CONCORD RD WYOMISSING, PA 19810 | AFLAC | $31 | — | $31 | — |
| LARRY L NEWMAN3 Filed as: LARRY NEWMAN | PO BOX 785 SUNBURG, PR 17801 | AFLAC | $31 | — | $31 | — |
| DARLENE S DILLON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $27 | — | $27 | — |
| C A LUPP INC3 | 940 E PARK DRIVE STE 300 HARRISBURG, PA 17111 | AFLAC | $21 | — | $21 | — |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $20 | — | $20 | — |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $20 | — | $20 | — |
| RANDALL SIMS3 | 138 DERR DRIVE COLLEGEVILLE, PA 19426 | AFLAC | $19 | — | $19 | — |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $19 | — | $19 | — |
| STEPHEN G SCHULTZ3 | 231 S 3RD ST CATAWISSA, PA 17820 | AFLAC | $18 | — | $18 | — |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO INC | PO BOX 989 MARLTON, NJ 08053 | AFLAC | $17 | — | $17 | — |
| JAMES ELDER BROOKS3 | 101 COOPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $16 | — | $16 | — |
| GARY J BRENNAN II3 | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $13 | — | $13 | — |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS & FIN SVCS LLC | PO BOX 327 T/A GANNON ASSOCIATES TOWANDA, PA 18848 | AFLAC | $13 | — | $13 | — |
| JOSEPH F RACHED3 | 18901 APIAN WAY LUTZ, FL 33558 | AFLAC | $10 | — | $10 | — |
| LOUIS DIBILEO SR INC3 | 1990 CULPEPPER WAY THE VILLAGES, FL 32162 | AFLAC | $10 | — | $10 | — |
| CAROLYN E MORRISON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $10 | — | $10 | — |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $8 | — | $8 | — |
| HENRY DUNN INC3 | PO BOX 109 317 MAIN ST TOWANDA, PA 18848 | AFLAC | $7 | — | $7 | — |
| SHELLY J. CAMPO3 Filed as: SHELLY J CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $7 | — | $7 | — |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $7 | — | $7 | — |
| JAMES I IDDINGS SR3 | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $7 | — | $7 | — |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $6 | — | $6 | — |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $5 | — | $5 | — |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $4 | — | $4 | — |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $4 | — | $4 | — |
| CHRISTOPHER A LUPP3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $4 | — | $4 | — |
| C A LUPP INC3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $3 | — | $3 | — |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR SUITE 212 TEMPE, AZ 85282 | AFLAC | $3 | — | $3 | — |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | — |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $2 | — | $2 | — |
| CAROLYN E MORRISON3 | 108 PARKSIDE CT LEXINGTON, SC 29072 | AFLAC | $1 | — | $1 | — |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | — |
| DAVIS W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $1 | — | $1 | — |
| CHRISTOPHER A LUPP3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $0 | — | $0 | — |
| MICHELLE M REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $3K | $39 | $3K | — |
| R & B INSURANCE SERVICES LLC3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $906 | $8 | $914 | — |
| JEFFERY CHUBB3 | 520 W FOURTH STREET STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $663 | $8 | $671 | — |
| NORTH EAST EMPIRE INC3 | 8 W BROAD ST STE 720 HAZLETON, PA 18201 | AFLAC | $447 | — | $447 | — |
| ROLLIN C PRICE3 | 758 CEMETARY ROAD MUNCY, PA 17758 | AFLAC | $149 | — | $149 | — |
| DELMAS R BUTLER JR3 | 45 SOUTH TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $111 | — | $111 | — |
| REEDER INS LLC3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $91 | — | $91 | — |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $67 | — | $67 | — |
| FRED A REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $63 | — | $63 | — |
| IRENE E BROOKS3 | 1253 W LEESPORT RD LEESPORT, PA 19533 | AFLAC | $55 | — | $55 | — |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $33 | — | $33 | — |
| GEARY L WALIZER3 | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $17 | — | $17 | — |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $16 | — | $16 | — |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $11 | — | $11 | — |
| C A LUPP INC3 | 940 E PARK DR STE 300 HARRISBURG, PA 17111 | AFLAC | $9 | — | $9 | — |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $7 | — | $7 | — |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $6 | — | $6 | — |
| SHELLY J. CAMPO3 Filed as: SHELLY CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $5 | — | $5 | — |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | — |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | — |
| CHRISTOPHER A LUPP3 | 940 PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $3 | — | $3 | — |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $3 | — | $3 | — |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $3 | — | $3 | — |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | — |
| DIANE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $2 | — | $2 | — |
| MARTIN E BYSTROM3 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $1 | — | $1 | — |
| C A LUPP INC3 | 940 E PARK DRIVE STE 301 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | — |
| CHRISTOPHER A LUPP3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $533K |
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $78K |
| THE BENECON GROUP, INC. EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $32K |
| L.R. WEBBER ASSOCIATES EIN 25-1301205 NONE | Insurance agents and brokers Service code 22 | — | $32K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $9K |
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 | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 205 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $95K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $95K |
| 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.