| 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 | $3K | — | $3K | 9.19% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $836 | $5K | 24.39% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $527 | $3K | 24.38% |
| WILSON H TRANSUE3 | 1487 SULLIVAN TRAIL TANNERSVILLE, PA 18372 | AFLAC | $636 | $40 | $676 | 7.06% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $132 | $8 | $140 | 1.46% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $78 | $8 | $86 | 0.90% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $82 | — | $82 | 0.86% |
| LISA A BROMAGE3 | 157 SPRING STREET SCRANTON, PA 18508 | AFLAC | $56 | — | $56 | 0.59% |
| JOHN E JOHNSON3 | 1203 S MARKET STREET NANTICOKE, PA 18634 | AFLAC | $54 | — | $54 | 0.56% |
| JOSEPH G GRABLICK3 | 716 SUSQUEHANNA AVE WYOMING, PA 18644 | AFLAC | $33 | — | $33 | 0.34% |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $28 | — | $28 | 0.29% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $23 | — | $23 | 0.24% |
| MICHAEL A GOWARTY3 | 356 N EVERETT AVE SCRANTON, PA 18504 | AFLAC | $21 | — | $21 | 0.22% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $21 | — | $21 | 0.22% |
| JOHN E JOHNSON3 | 1203 S MARKET STREET NANTICOKE, PA 18634 | AFLAC | $20 | — | $20 | 0.21% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $11 | — | $11 | 0.11% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $4 | — | $4 | 0.04% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $4 | — | $4 | 0.04% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.03% |
| C A LUPP INC3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $3 | — | $3 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $3 | — | $3 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.01% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $378 | $2K | 24.33% |
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 | 73 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 67 | $906K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 61 | $37K |
| Vision | HIGHMARK INC. | 67 | $906K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $19K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 69 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $12K |
| Prescription drug | HIGHMARK INC. | 67 | $906K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.