| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $563 | $4K | 23.03% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $356 | $3K | 23.04% |
| WILSON H TRANSUE3 | 1487 SULLIVAN TRAIL TANNERSVILLE, PA 18372 | AFLAC | $752 | — | $752 | 6.57% |
| MICHAEL A GOWARTY3 | 356 N EVERETT AVE SCRANTON, PA 18504 | AFLAC | $173 | — | $173 | 1.51% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $154 | — | $154 | 1.35% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $108 | — | $108 | 0.94% |
| JOHN E JOHNSON3 | 1203 S MARKET STREET NANTICOKE, PA 18634 | AFLAC | $108 | — | $108 | 0.94% |
| LISA A BROMAGE3 Filed as: LISA A BORGAME | 157 SPRING STREET SCRANTON, PA 18508 | AFLAC | $73 | — | $73 | 0.64% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $71 | — | $71 | 0.62% |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $35 | — | $35 | 0.31% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $34 | — | $34 | 0.30% |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $33 | — | $33 | 0.29% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.04% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $4 | — | $4 | 0.03% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $4 | — | $4 | 0.03% |
| C A LUPP INC3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $3 | — | $3 | 0.03% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $254 | $2K | 23.02% |
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 | 75 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMO OF NORTHEASTERN PA | 55 | $767K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 53 | $36K |
| Vision | DAVIS VISION | 60 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $19K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 71 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $12K |
| Prescription drug(2 contracts, 2 carriers) | HMO OF NORTHEASTERN PA | 55 | $767K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.