| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK INC | $131K | $0 | $131K | 2.73% |
| NPF CORPORATE SERVICES PA3 | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $17K | 14.19% |
| BETHANY L ANDERSON3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $5K | $48 | $5K | 4.48% |
| QUENTIN C KENT3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $2K | $0 | $2K | 1.65% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $1K | $0 | $1K | 1.14% |
| KYMBERLY G KNOTT3 | 645 SILVER BIRCH PL LONGWOOD, FL 32750 | AFLAC | $633 | $0 | $633 | 0.54% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $613 | $0 | $613 | 0.52% |
| WILLIAM M KNOTT3 | 645 SILVER BIRCH PL LONGWOOD, FL 32750 | AFLAC | $606 | $0 | $606 | 0.52% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $512 | $0 | $512 | 0.44% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $495 | $0 | $495 | 0.42% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | AFLAC | $315 | $11 | $326 | 0.28% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $300 | $11 | $311 | 0.27% |
| DEANNE L MILLER3 Filed as: DEANNE LYNN HARMON | 1208 WELBORN RD WILMINGTON, NC 28409 | AFLAC | $263 | $0 | $263 | 0.22% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $236 | $0 | $236 | 0.20% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $188 | $0 | $188 | 0.16% |
| KEVIN W KREPINEVICH3 | 4091 E TEXAS RD ALLENTOWN, PA 18103 | AFLAC | $106 | $0 | $106 | 0.09% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $89 | $0 | $89 | 0.08% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $84 | $0 | $84 | 0.07% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $78 | $0 | $78 | 0.07% |
| JNE INC3 | PO BOX 267 WHITEHALL, PA 18052 | AFLAC | $66 | $0 | $66 | 0.06% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $66 | $0 | $66 | 0.06% |
| JAYNE D HARMON3 | 416 N 5TH STREET APT 6 EMMAUS, PA 18049 | AFLAC | $37 | $0 | $37 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $32 | $0 | $32 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $26 | $0 | $26 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $22 | $0 | $22 | 0.02% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $21 | $0 | $21 | 0.02% |
| WILSON H TRANSUE3 | 1487 SULLIVAN TRL TANNERSVILLE, PA 18372 | AFLAC | $21 | $0 | $21 | 0.02% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $19 | $0 | $19 | 0.02% |
| HARRY D WAGNER3 | PO BOX 7247 AUDUBON, PA 19407 | AFLAC | $17 | $0 | $17 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $16 | $0 | $16 | 0.01% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS | 2221 LEHIGH PKWY N ALLENTOWN, PA 18103 | AFLAC | $16 | $0 | $16 | 0.01% |
| JEFFREY C GRIM3 | 4700 DUNHAM DR READING, PA 19606 | AFLAC | $15 | $0 | $15 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $10 | $0 | $10 | 0.01% |
| PASQUALE PEZZUTO3 Filed as: PASQUALE A PEZZUTO | 258 E 2ND ST WIND GAP, PA 18091 | AFLAC | $9 | $0 | $9 | 0.01% |
| MARY ELLEN BELL GRETH3 | 1807 READING BLVD WYOMISSING, PA 19610 | AFLAC | $9 | $0 | $9 | 0.01% |
| QUENTIN C KENT II3 | 301 S COMMERCE ST CENTREVILLE, MD 21617 | AFLAC | $8 | $0 | $8 | 0.01% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $7 | $0 | $7 | 0.01% |
| JOHN D SELL3 | 2915 W PENNSYLVANIA ST ALLENTOWN, PA 18104 | AFLAC | $6 | $0 | $6 | 0.01% |
| FAITH M BURRIS3 | 251 LONG BEACH DR HOT SPRINGS, AR 71913 | AFLAC | $4 | $0 | $4 | 0.00% |
| NPF CORPORATE SERVICES PA3 | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $1K | $16K | 16.62% |
| NPF CORPORATE SERVICES PA3 | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $162 | $1K | 11.48% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | FEDERAL INSURANCE COMPANY | $849 | $0 | $849 | 19.49% |
| NPF CORPORATE SERVICES PA3 | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $6 | $6 | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA EIN 25-1687586 CARRIER | Claims processing Service code 12 | — | $23K |
| NFP CORPORATE SERVICES EIN 13-4096969 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 441 | $4.8M |
| Vision | HIGHMARK INC | 441 | $4.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 502 | $122K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 502 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 502 | $96K |
| Prescription drug | HIGHMARK INC | 441 | $4.8M |
| Other(6 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 525 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.