| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&N FINANCIAL SERVICES CORPORATION3 | 90 MAIN STREET WELLSBORO, PA 16901 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 5.53% |
| MICHELLE REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $3K | $184 | $3K | 9.20% |
| JEFFREY CHUBB3 | 520 W FOURTH STREET STE 3C WILLIAMSPORT, PA 17701 | AFLAC | $925 | $40 | $965 | 2.96% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $573 | $40 | $613 | 1.88% |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $432 | $18 | $450 | 1.38% |
| JAMES M ECK3 | 335 PENNSYLVANIA AVE KANE, PA 16735 | AFLAC | $154 | — | $154 | 0.47% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURG, PA 17801 | AFLAC | $112 | — | $112 | 0.34% |
| SUSAN J CHUBB3 Filed as: SUSAN CHUBB | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $90 | — | $90 | 0.28% |
| C A LUPP INC3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $90 | — | $90 | 0.28% |
| MG MERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADEPHIA, PA 19125 | AFLAC | $50 | $40 | $90 | 0.28% |
| ROLLIN C PRICE3 | 758 CEMETERY RD MUNCY, PA 17756 | AFLAC | $68 | — | $68 | 0.21% |
| NORMA JEAN CARTER3 Filed as: NORMA JEAM CARTER | 1172 ANDRUS HILL RD ULSTER, PA 18850 | AFLAC | $61 | — | $61 | 0.19% |
| JAMES I IDDINGS SR3 | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $49 | — | $49 | 0.15% |
| DIVERSIFIED SOLUTIONS GROUP INC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $38 | — | $38 | 0.12% |
| BILLY M CRAIN3 Filed as: BILLY CRAIN | 57 PICKERING ST BROOKSVILLE, PA 15825 | AFLAC | $36 | — | $36 | 0.11% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $34 | — | $34 | 0.10% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17710 | AFLAC | $28 | — | $28 | 0.09% |
| JEANNE K BLOISE3 | 432 ALDER ST OLEAN, NY 14760 | AFLAC | $24 | — | $24 | 0.07% |
| DELMAS R BUTLER JR3 | 46 SOUTH TELPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $21 | — | $21 | 0.06% |
| JAMES ELDER BROOKS3 | 1253 WEST LEESPORT RD LEESPORT, PA 19553 | AFLAC | $13 | — | $13 | 0.04% |
| IRENE E BROOKS3 | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | AFLAC | $11 | — | $11 | 0.03% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $10 | — | $10 | 0.03% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $9 | — | $9 | 0.03% |
| SHELLY J. CAMPO3 Filed as: SHELLY J CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $8 | — | $8 | 0.02% |
| DOMINICK J LACARIA3 | 216 ROSECOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $8 | — | $8 | 0.02% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $4 | — | $4 | 0.01% |
| CAROL BUSH3 Filed as: CAROL A BUSH | 1069 MARCY DR DELAND, FL 32724 | AFLAC | $3 | — | $3 | 0.01% |
| KIMBERELY A MUMFORD3 | 1415 SUNNY AVE WILLIAMSPORT, PA 16101 | AFLAC | $2 | — | $2 | 0.01% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $1 | — | $1 | 0.00% |
| MARILYN WYMAN3 | 4276 STONE CREEK DR ERIE, PA 16506 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $0 | — | $0 | 0.00% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15205 | AFLAC | $0 | — | $0 | 0.00% |
| LEE PHYLLIS PRESTOPINE3 | 194 HICKORY VIEW DR NEW CASTLE, PA 16102 | AFLAC | $0 | — | $0 | 0.00% |
| FRED A REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $178 | — | $178 | 9.17% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.15% |
| MICHELLE M REEDER3 | 380 EAST MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HM LIFE INSURANCE COMPANY NONE | Insurance services Service code 23 | PO BOX 535061, SUITE P6411 PITTSBURGH, PA 152223099 | $337K |
| BLUE CROSS OF NORTHEASTERN PENNSYLA EIN 24-0615177 NONE | Claims processing Service code 12 | — | $167K |
| L.R. WEBBER ASSOCIATES EIN 25-1301205 NONE | Insurance agents and brokers Service code 22 | — | $27K |
| THE BENECON GROUP, INC EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $27K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $4K |
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 | 538 | 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) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $275K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $275K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $275K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.