| 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 | 5.42% |
| C H REAMS & ASSOCIATES INC3 Filed as: CH REAMS & ASSOCIATES INC | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.62% |
| 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 | $13K | — | $13K | 15.00% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AFLAC | $7K | $362 | $7K | 9.07% |
| R & B INSURANCE SERVICES LLC3 | 200 WOODWARD AVE #B LOCK HAVEN, PA 17745 | AFLAC | $2K | — | $2K | 3.02% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH MCGINTY | 2202 CROSS CREED RD MACUNGIE, PA 18103 | AFLAC | $636 | — | $636 | 0.82% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOIT DR ALLENTOWN, PA 18103 | AFLAC | $564 | $57 | $621 | 0.80% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $327 | $57 | $384 | 0.50% |
| ROLLIN C PRICE3 | 758 CEMETERY ROAD MUNCY, PA 17756 | AFLAC | $348 | — | $348 | 0.45% |
| JEFFREY CHUBB3 Filed as: JEFFREY CHARLES CHUBB | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $171 | — | $171 | 0.22% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $120 | — | $120 | 0.15% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $91 | — | $91 | 0.12% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE PA, PA 17963 | AFLAC | $74 | — | $74 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $58 | — | $58 | 0.07% |
| FRED R BOHRMAN3 | 2732 ELYSIA LN AUDUBON, PA 19403 | AFLAC | $48 | — | $48 | 0.06% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 19 NORFOLK LANE LEBANON, PA 17042 | AFLAC | $48 | — | $48 | 0.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY ROGERS | 513 W GLENSIDE AVE GLENSIDE, PA 19038 | AFLAC | $47 | — | $47 | 0.06% |
| REEDER INS LLC3 Filed as: REEDER INS | 109 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AFLAC | $41 | — | $41 | 0.05% |
| MARK L HUFHAND3 | 925 S MAIN ST STE B NORTH CANTON, OH 44720 | AFLAC | $36 | — | $36 | 0.05% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $29 | — | $29 | 0.04% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $27 | — | $27 | 0.03% |
| JOHN M WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $27 | — | $27 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 STE 308 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $26 | — | $26 | 0.03% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE ST STE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $25 | — | $25 | 0.03% |
| CALEB RUSSELL SMITH3 | 202 GREEN HILL RD BARTO, PA 19504 | AFLAC | $21 | — | $21 | 0.03% |
| VICTOR LYSCZEK3 | 1528 CONCORD ROAD WYOMISSING, PA 19610 | AFLAC | $21 | — | $21 | 0.03% |
| BYSWR INSURANCE SERVICES, INC.3 Filed as: BYSWR INSURANCE SVS INC | PO BOX 6 HARLEYSVILLE, PA 19438 | AFLAC | $20 | — | $20 | 0.03% |
| ROGERS BENEFIT GROUP INC3 Filed as: DENISE ROGERS | 313 COUNTRY CLUB DR LANSDALE, PA 19446 | AFLAC | $17 | — | $17 | 0.02% |
| GEARY L WALIZER3 | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $17 | — | $17 | 0.02% |
| MATTHEW G BERGER3 | 203 HAVERFORD AVE #205 NARBERTH, PA 19072 | AFLAC | $17 | — | $17 | 0.02% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $16 | — | $16 | 0.02% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $16 | — | $16 | 0.02% |
| LEAH P GORMAN3 | PO BOX 17 NEW TRIPOLI, PA 18066 | AFLAC | $15 | — | $15 | 0.02% |
| GABOR JOZSEF SZOKOLYAI3 | 175 W KING ST UNIT 116 MALVERN, PA 19355 | AFLAC | $15 | — | $15 | 0.02% |
| C A LUPP INC3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $14 | — | $14 | 0.02% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $10 | — | $10 | 0.01% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $9 | — | $9 | 0.01% |
| ACRISURE LLC3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $9 | — | $9 | 0.01% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $9 | — | $9 | 0.01% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $8 | — | $8 | 0.01% |
| AMY JOY MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $7 | — | $7 | 0.01% |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $6 | — | $6 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | — | $4 | 0.01% |
| DARREN D RIDDLE3 Filed as: DARREN DWAYNE RIDDLE | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $3 | — | $3 | 0.00% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.00% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2 | — | $2 | 0.00% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER A LUPP3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $1 | — | $1 | 0.00% |
| MARY KAYE WASHO3 | 24956 WOLFE BAY TER ORANGE BEACH, AL 36561 | AFLAC | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE MIDWEST PART INS SERV LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $0 | — | $0 | 0.00% |
| DAVID WAYNE RANCK3 | 148 GERY CT EPHRATA, PA 17522 | AFLAC | $0 | — | $0 | 0.00% |
| C H REAMS & ASSOCIATES INC3 Filed as: CH REAMS & ASSOCIATES INC | 401 CRANBERRY ST SUITE 100 ERIE, PA 16507 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.19% |
| MICHELLE M REEDER3 | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AFLAC | $3K | $133 | $3K | 7.89% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE #B LOCK HAVEN, PA 17745 | AFLAC | $892 | — | $892 | 2.09% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $250 | $31 | $281 | 0.66% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $227 | $31 | $258 | 0.60% |
| JEFFREY CHUBB3 Filed as: JEFFREY CHARLES CHUBB | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $234 | — | $234 | 0.55% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACNGIE, PA 18062 | AFLAC | $178 | — | $178 | 0.42% |
| ROLLIN C PRICE3 | 758 CEMETARY ROAD MUNCY, PA 17758 | AFLAC | $121 | — | $121 | 0.28% |
| DELMAS R BUTLER JR3 | 46 SOUTH TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $98 | — | $98 | 0.23% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $64 | — | $64 | 0.15% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBABON, PA 17042 | AFLAC | $52 | — | $52 | 0.12% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $30 | — | $30 | 0.07% |
| REEDER INS LLC3 | 109 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AFLAC | $30 | — | $30 | 0.07% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $23 | — | $23 | 0.05% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $15 | — | $15 | 0.04% |
| 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% |
| BAILEY RENEE BROOKS3 | 25 W PARK ST JERSEY SHORE, PA 17740 | AFLAC | $4 | — | $4 | 0.01% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $4 | — | $4 | 0.01% |
| DARREN D RIDDLE3 Filed as: DARREN DWAYNE RIDDLE | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTOPHER A LUPP3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $2 | — | $2 | 0.00% |
| LEAH P GORMAN3 | PO BOX 17 NEW TRIPOLI, PA 18066 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW G BERGER3 | 203 HAVERFORD AVE #205 NARBERTH, PA 19072 | AFLAC | $2 | — | $2 | 0.00% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 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% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.00% |
| C A LUPP INC3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $0 | — | $0 | 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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 325 | $36K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $181K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 364 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 364 | $77K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.