| 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 | 6.51% |
| 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 | $11K | — | $11K | 16.30% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $7K | $93 | $7K | 12.39% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $941 | $4 | $945 | 1.69% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $477 | $21 | $498 | 0.89% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $414 | $17 | $431 | 0.77% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $377 | — | $377 | 0.67% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $364 | — | $364 | 0.65% |
| ROLLIN C PRICE3 | 758 CEMETARY ROAD MUNCY, PA 17758 | AFLAC | $152 | — | $152 | 0.27% |
| DELMAS R BUTLER JR3 | 45 SOUTH TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $118 | — | $118 | 0.21% |
| REEDER INS LLC3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $81 | — | $81 | 0.14% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $73 | — | $73 | 0.13% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $64 | — | $64 | 0.11% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $60 | — | $60 | 0.11% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $38 | — | $38 | 0.07% |
| STEPHEN G SCHULTZ3 | 231 S 3RD ST CATAWISSA, PA 17820 | AFLAC | $19 | — | $19 | 0.03% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS & FIN SVCS LLC | PO BOX 327 T/A GANNON ASSOCIATES TOWANDA, PA 18848 | AFLAC | $18 | — | $18 | 0.03% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $17 | — | $17 | 0.03% |
| BARBARA A KENNEDY3 | 122 WATER ST MUNCY, PA 17756 | AFLAC | $12 | — | $12 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $10 | — | $10 | 0.02% |
| JOHN M WASHO3 | 23773A CYPRESS MNR ORANGE BEACH, AL 36561 | AFLAC | $9 | — | $9 | 0.02% |
| ROBERT RICHARD ARETTA3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $9 | — | $9 | 0.02% |
| C A LUPP INC3 | 940 E PARK DR STE 300 HARRISBURG, PA 17111 | AFLAC | $8 | — | $8 | 0.01% |
| GEARY L WALIZER3 | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $8 | — | $8 | 0.01% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $6 | — | $6 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.01% |
| CHRISTOPHER A LUPP3 | 940 PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $3 | — | $3 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $3 | — | $3 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | 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% |
| JACK ALBERT MARTIN3 | 2941 NE 3RD ST OCALA, FL 34470 | AFLAC | $0 | — | $0 | 0.00% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $0 | — | $0 | 0.00% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $7K | $127 | $7K | 16.94% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $1K | $10 | $1K | 3.23% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $876 | $29 | $905 | 2.08% |
| ROLLIN C PRICE3 | 758 CEMETERY RD MUNCY, PA 17756 | AFLAC | $563 | — | $563 | 1.30% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DRIVE BLANDON, PA 19510 | AFLAC | $306 | — | $306 | 0.70% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $213 | — | $213 | 0.49% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $173 | $18 | $191 | 0.44% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $130 | — | $130 | 0.30% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $105 | — | $105 | 0.24% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $76 | — | $76 | 0.17% |
| REEDER INS LLC3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $73 | — | $73 | 0.17% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 18054 | AFLAC | $64 | — | $64 | 0.15% |
| GEARY L WALIZER3 Filed as: GEARY WALIZER | PO BOZ 946 LOCK HAVEN, PA 17745 | AFLAC | $55 | — | $55 | 0.13% |
| MARK L HUFHAND3 | 925 S MAIN ST STE B NORTH CANTON, OH 44720 | AFLAC | $40 | — | $40 | 0.09% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $39 | — | $39 | 0.09% |
| VICTOR LYSCZEK3 | 1528 CONCORD RD WYOMISSING, PA 19810 | AFLAC | $35 | — | $35 | 0.08% |
| JOHN M WASHO3 | 23773A CYPRESS MNR ORANGE BEACH, AL 36561 | AFLAC | $27 | — | $27 | 0.06% |
| RANDALL SIMS3 | 138 DERR DRIVE COLLEGEVILLE, PA 19426 | AFLAC | $25 | — | $25 | 0.06% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $24 | — | $24 | 0.06% |
| C A LUPP INC3 | 940 E PARK DRIVE STE 300 HARRISBURG, PA 17111 | AFLAC | $20 | — | $20 | 0.05% |
| ROBERT RICHARD ARETTA3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $15 | — | $15 | 0.03% |
| JAMES ELDER BROOKS3 | 101 COOPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $12 | — | $12 | 0.03% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $8 | — | $8 | 0.02% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES I IDDINGS SR3 | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $8 | — | $8 | 0.02% |
| LEE R KALTENBACH3 | 10 COLE ST APT 510 WELLSBORO, PA 16901 | AFLAC | $7 | — | $7 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.01% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS & FIN SVCS LLC | PO BOX 327 T/A GANNON ASSOCIATES TOWANDA, PA 18848 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $3 | — | $3 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
| 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% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | 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 | 10.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $587K |
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $43K |
| L.R. WEBBER ASSOCIATES EIN 25-1301205 NONE | Insurance agents and brokers Service code 22 | — | $38K |
| THE BENECON GROUP, INC. EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $38K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $12K |
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 | 291 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 235 | $27K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $135K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $37K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.