| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.89% |
| 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 | $10K | — | $10K | 16.19% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $7K | $83 | $8K | 14.62% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $977 | $17 | $994 | 1.92% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $572 | $17 | $589 | 1.14% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $448 | — | $448 | 0.87% |
| JACK ALBERT MARTIN3 | 2941 NE 3RD ST OCALA, FL 34470 | AFLAC | $357 | — | $357 | 0.69% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $300 | — | $300 | 0.58% |
| ROLLIN C PRICE3 | 758 CEMETARY ROAD MUNCY, PA 17758 | AFLAC | $165 | — | $165 | 0.32% |
| DELMAS R BUTLER JR3 | 45 SOUTH TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $127 | — | $127 | 0.25% |
| REEDER INS LLC3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $97 | — | $97 | 0.19% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $82 | — | $82 | 0.16% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $79 | — | $79 | 0.15% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $64 | — | $64 | 0.12% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $60 | — | $60 | 0.12% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $41 | — | $41 | 0.08% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $18 | — | $18 | 0.03% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $14 | — | $14 | 0.03% |
| C A LUPP INC3 | 940 E PARK DR STE 300 HARRISBURG, PA 17111 | AFLAC | $12 | — | $12 | 0.02% |
| GEARY L WALIZER3 | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $11 | — | $11 | 0.02% |
| JOHN M WASHO3 | 23773A CYPRESS MNR ORANGE BEACH, AL 36561 | AFLAC | $9 | — | $9 | 0.02% |
| STEPHEN G SCHULTZ3 | 231 S 3RD ST CATAWISSA, PA 17820 | AFLAC | $8 | — | $8 | 0.02% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS & FIN SVCS LLC | PO BOX 327 T/A GANNON ASSOCIATES TOWANDA, PA 18848 | AFLAC | $7 | — | $7 | 0.01% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $6 | — | $6 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $6 | — | $6 | 0.01% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $6 | — | $6 | 0.01% |
| BARBARA A KENNEDY3 | 122 WATER ST MUNCY, PA 17756 | AFLAC | $5 | — | $5 | 0.01% |
| CHRISTOPHER A LUPP3 | 940 PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $4 | — | $4 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | — | $4 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $3 | — | $3 | 0.01% |
| ROBERT RICHARD ARETTA3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $3 | — | $3 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.00% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $1 | — | $1 | 0.00% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.95% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $4K | $63 | $4K | 12.84% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $684 | $13 | $697 | 2.10% |
| ROLLIN C PRICE3 | 758 CEMETERY RD MUNCY, PA 17756 | AFLAC | $571 | — | $571 | 1.72% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $458 | $13 | $471 | 1.42% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DRIVE BLANDON, PA 19510 | AFLAC | $368 | — | $368 | 1.11% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $225 | — | $225 | 0.68% |
| JACK ALBERT MARTIN3 | 2941 NE 3RD ST OCALA, FL 34470 | AFLAC | $190 | — | $190 | 0.57% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $139 | — | $139 | 0.42% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $109 | — | $109 | 0.33% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $78 | — | $78 | 0.24% |
| GEARY L WALIZER3 Filed as: GEARY WALIZER | PO BOZ 946 LOCK HAVEN, PA 17745 | AFLAC | $73 | — | $73 | 0.22% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 18054 | AFLAC | $65 | — | $65 | 0.20% |
| REEDER INS LLC3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $60 | — | $60 | 0.18% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $42 | — | $42 | 0.13% |
| MARK L HUFHAND3 | 925 S MAIN ST STE B NORTH CANTON, OH 44720 | AFLAC | $36 | — | $36 | 0.11% |
| VICTOR LYSCZEK3 | 1528 CONCORD RD WYOMISSING, PA 19810 | AFLAC | $36 | — | $36 | 0.11% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $33 | — | $33 | 0.10% |
| JOHN M WASHO3 | 23773A CYPRESS MNR ORANGE BEACH, AL 36561 | AFLAC | $27 | — | $27 | 0.08% |
| RANDALL SIMS3 | 138 DERR DRIVE COLLEGEVILLE, PA 19426 | AFLAC | $25 | — | $25 | 0.08% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $24 | — | $24 | 0.07% |
| C A LUPP INC3 | 940 E PARK DRIVE STE 300 HARRISBURG, PA 17111 | AFLAC | $22 | — | $22 | 0.07% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $18 | — | $18 | 0.05% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS & FIN SVCS LLC | PO BOX 327 T/A GANNON ASSOCIATES TOWANDA, PA 18848 | AFLAC | $18 | — | $18 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $13 | — | $13 | 0.04% |
| JAMES ELDER BROOKS3 | 101 COOPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $12 | — | $12 | 0.04% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $9 | — | $9 | 0.03% |
| JAMES I IDDINGS SR3 | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $9 | — | $9 | 0.03% |
| ROBERT RICHARD ARETTA3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $9 | — | $9 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $7 | — | $7 | 0.02% |
| LEE R KALTENBACH3 | 10 COLE ST APT 510 WELLSBORO, PA 16901 | AFLAC | $7 | — | $7 | 0.02% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $6 | — | $6 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $3 | — | $3 | 0.01% |
| JOSEPH F RACHED3 | 18901 APIAN WAY LUTZ, FL 33558 | AFLAC | $1 | — | $1 | 0.00% |
| LOUIS DIBILEO SR INC3 | 1990 CULPEPPER WAY THE VILLAGES, FL 32162 | AFLAC | $1 | — | $1 | 0.00% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.00% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID W RANCK3 | 848 E MAIN ST STE 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 | $466K |
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $45K |
| L.R. WEBBER ASSOCIATES EIN 25-1301205 NONE | Insurance agents and brokers Service code 22 | — | $31K |
| THE BENECON GROUP, INC. EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $31K |
| 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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 236 | $26K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $122K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $34K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.