| 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 | $5K | — | $5K | 5.78% |
| C H REAMS & ASSOCIATES INC3 Filed as: C H REAMS & ASSOCIATES, INC | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.01% |
| C H REAMS & ASSOCIATES INC3 | 401 CRANBERRY ST STE 100 ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.81% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $8K | $137 | $8K | 12.24% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $2K | — | $2K | 3.51% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $771 | $32 | $803 | 1.29% |
| ROLLIN C PRICE3 | 758 CEMETERY RD MUNCY, PA 17756 | AFLAC | $440 | — | $440 | 0.71% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $436 | — | $436 | 0.70% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $238 | $32 | $270 | 0.43% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DRIVE BLANDON, PA 19510 | AFLAC | $219 | — | $219 | 0.35% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $179 | — | $179 | 0.29% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $119 | — | $119 | 0.19% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $95 | — | $95 | 0.15% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $89 | — | $89 | 0.14% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $57 | — | $57 | 0.09% |
| REEDER INS LLC3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $50 | — | $50 | 0.08% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $36 | — | $36 | 0.06% |
| MARK L HUFHAND3 | 925 S MAIN ST STE B NORTH CANTON, OH 44720 | AFLAC | $35 | — | $35 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $35 | — | $35 | 0.06% |
| VICTOR LYSCZEK3 | 1528 CONCORD RD WYOMISSING, PA 19810 | AFLAC | $24 | — | $24 | 0.04% |
| JOHN M WASHO3 | 24965 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $24 | — | $24 | 0.04% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $22 | — | $22 | 0.04% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY J ROGERS | 513 W GLENSIDE AVE GLENSIDE, PA 19038 | AFLAC | $21 | — | $21 | 0.03% |
| CALEB RUSSELL SMITH3 | 202 GREEN HILL RD BARTO, PA 19504 | AFLAC | $19 | — | $19 | 0.03% |
| FRED R BOHRMAN3 | 2732 ELYSIA LN AUDUBON, PA 19403 | AFLAC | $19 | — | $19 | 0.03% |
| C A LUPP INC3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $18 | — | $18 | 0.03% |
| RANDALL SIMS3 | 138 DERR DRIVE COLLEGEVILLE, PA 19426 | AFLAC | $17 | — | $17 | 0.03% |
| GEARY L WALIZER3 Filed as: GEARY WALIZER | PO BOZ 946 LOCK HAVEN, PA 17745 | AFLAC | $16 | — | $16 | 0.03% |
| LAUCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE ST STE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $15 | — | $15 | 0.02% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $12 | — | $12 | 0.02% |
| JAMES ELDER BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $11 | — | $11 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 STE 308 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $11 | — | $11 | 0.02% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $11 | — | $11 | 0.02% |
| BYSWR INSURANCE SVC INC3 | PO BOX 228 HARLEYSVILLE, PA 19438 | AFLAC | $10 | — | $10 | 0.02% |
| ACRISURE LLC3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $9 | — | $9 | 0.01% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $9 | — | $9 | 0.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: DENISE ROGERS | 313 COUNTRY CLUB DR LANSDALE, PA 19446 | AFLAC | $8 | — | $8 | 0.01% |
| LEE R KALTENBACH3 | 10 COLE ST APT 510 WELLSBORO, PA 16901 | AFLAC | $6 | — | $6 | 0.01% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $6 | — | $6 | 0.01% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $5 | — | $5 | 0.01% |
| GARBOR JOZSEF SZOKOLYAI3 | 175 W KING ST UNIT 116 MALVERN, PA 19355 | AFLAC | $5 | — | $5 | 0.01% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J JUNIKIWICZ JR | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $5 | — | $5 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $4 | — | $4 | 0.01% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $4 | — | $4 | 0.01% |
| AMY JOY MACDOUGALL3 | 1 INTERPLEX DR STE 201 TREVOSE, PA 19053 | AFLAC | $3 | — | $3 | 0.00% |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $3 | — | $3 | 0.00% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $2 | — | $2 | 0.00% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.00% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $2 | — | $2 | 0.00% |
| 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% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: GALLGHER BENFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $0 | — | $0 | 0.00% |
| MARY KAYE WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $0 | — | $0 | 0.00% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $4K | $33 | $4K | 9.28% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $986 | — | $986 | 2.16% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACNGIE, PA 18062 | AFLAC | $270 | $8 | $278 | 0.61% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $276 | — | $276 | 0.60% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $270 | — | $270 | 0.59% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $231 | — | $231 | 0.51% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $213 | $8 | $221 | 0.48% |
| ROLLIN C PRICE3 | 758 CEMETARY ROAD MUNCY, PA 17758 | AFLAC | $128 | — | $128 | 0.28% |
| DELMAS R BUTLER JR3 | 46 SOUTH TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $103 | — | $103 | 0.23% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $66 | — | $66 | 0.14% |
| REEDER INS LLC3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $54 | — | $54 | 0.12% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBABON, PA 17042 | AFLAC | $54 | — | $54 | 0.12% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $40 | — | $40 | 0.09% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $32 | — | $32 | 0.07% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $15 | — | $15 | 0.03% |
| JOHN M WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $9 | — | $9 | 0.02% |
| ACRISURE LLC3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $9 | — | $9 | 0.02% |
| ACRISURE LLC3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $9 | — | $9 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.01% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $5 | — | $5 | 0.01% |
| C A LUPP INC3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $4 | — | $4 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $4 | — | $4 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTOPHER A LUPP3 | 940 PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $2 | — | $2 | 0.00% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $2 | — | $2 | 0.00% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.00% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
| C H REAMS & ASSOCIATES INC3 Filed as: CH REAMS & ASSOCIATES INC | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.00% |
No Schedule C service providers reported on this filing.
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 330 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 392 | $163K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $69K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 392 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.