| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC. | $6K | — | $6K | 0.89% |
| ONESOURCE BENEFIT SOLUTIONS3 Filed as: ONESOURCE BENEFIT SOLUTIONS, LLC | 395 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | HIGHMARK INC. | $3K | — | $3K | 0.40% |
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL BENEFIT SERVICES, INC. | 613 BALTIMORE DRIVE WILKES-BARRE, PA 18702 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON RD MISHAWAKA, IN 46544 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 11.51% |
| WILSON H TRANSUE3 | 1487 SULLIVAN TRAIL TANNERSVILLE, PA 18372 | AFLAC | $390 | — | $390 | 5.93% |
| KEVIN D NOLL3 | PO BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $107 | — | $107 | 1.63% |
| JOHN M WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $55 | — | $55 | 0.84% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $47 | — | $47 | 0.71% |
| JOHN E JOHNSON3 | 2182 GORDON PATH THE VILLAGES, FL 32163 | AFLAC | $41 | — | $41 | 0.62% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $32 | — | $32 | 0.49% |
| LISA A BROMAGE3 | 157 SPRING STREET SCRANTON, PA 18508 | AFLAC | $28 | — | $28 | 0.43% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $27 | — | $27 | 0.41% |
| JOSEPH G GRABLICK3 | 716 SUSQUEHANNA AVE WYOMING, PA 18644 | AFLAC | $27 | — | $27 | 0.41% |
| FRED A REEDER3 | 109 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AFLAC | $16 | — | $16 | 0.24% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $14 | — | $14 | 0.21% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $13 | — | $13 | 0.20% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $8 | — | $8 | 0.12% |
| ROBERT RICHARD ARETTA3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $3 | — | $3 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $2 | — | $2 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.02% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $1 | — | $1 | 0.02% |
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 | 64 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 72 | $642K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 65 | $45K |
| Vision | HIGHMARK INC. | 72 | $642K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 115 | $40K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 115 | $47K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 115 | $40K |
| Prescription drug | HIGHMARK INC. | 72 | $642K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 115 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.