| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&N FINANCIAL SERVICES CORPORATION3 | 90 MAIN STREET WELLSBORO, PA 16901 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 5.66% |
| MICHELLE REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $3K | $160 | $3K | 6.96% |
| JEFFREY CHUBB3 | 520 W FOURTH STREET STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $1K | $32 | $1K | 2.63% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $1K | — | $1K | 2.58% |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $458 | — | $458 | 1.09% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $306 | — | $306 | 0.73% |
| NORTH EAST EMPIRE INC3 Filed as: NORTH EAST EMPIRE, INC | 8 W BROAD ST STE 720 HAZLETON, PA 18201 | AFLAC | $244 | $32 | $276 | 0.66% |
| REEDER INS LLC3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $180 | — | $180 | 0.43% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $102 | — | $102 | 0.24% |
| SUSAN J CHUBB3 Filed as: SUSAN CHUBB | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $99 | — | $99 | 0.24% |
| JAMES M ECK3 | 335 PENNSYLVANIA AVE KANE, PA 16735 | AFLAC | $91 | — | $91 | 0.22% |
| C A LUPP INC3 | 940 E PARK DR HARRISBURG, PA 17111 | AFLAC | $88 | — | $88 | 0.21% |
| JAMES I IDDINGS SR3 Filed as: JAMES IDDINGS, SR | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $56 | — | $56 | 0.13% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 833 N PARK ROAD SUITE 220 READING, PA 19610 | AFLAC | $36 | — | $36 | 0.09% |
| BILLY M CRAIN3 Filed as: BILLY CRAIN | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $35 | — | $35 | 0.08% |
| MOLLIE PRICE3 | 758 CEMETERY ROAD MUNCY, PA 17756 | AFLAC | $34 | — | $34 | 0.08% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $34 | — | $34 | 0.08% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $27 | — | $27 | 0.06% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $27 | — | $27 | 0.06% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $25 | — | $25 | 0.06% |
| DELMAS R BUTLER JR3 Filed as: DELMAS BURLER, JR | 46 SOUTH TULPEHOCKEN ST PINE GROCE, PA 17963 | AFLAC | $23 | — | $23 | 0.05% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $22 | — | $22 | 0.05% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 441 FRIENDSHIP ROAD SUITE 102 HARRISBURG, PA 17111 | AFLAC | $17 | — | $17 | 0.04% |
| RYAN GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $15 | — | $15 | 0.04% |
| JOLYNN HAIGHT3 | 8360 COUNTY ROUTE 16 SAVONA, NY 14879 | AFLAC | $11 | — | $11 | 0.03% |
| THOMAS R PAQUIN3 Filed as: THOMAS PAQUIN | 32 WEST STATE STREET SUITE 212 BINGHAMTON, NY 13901 | AFLAC | $11 | — | $11 | 0.03% |
| JAMES BLOISE JR3 | 42 S SHORE ROAD CUBA, NE 14727 | AFLAC | $11 | — | $11 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $11 | — | $11 | 0.03% |
| SHELLY J. CAMPO3 Filed as: SHELLY CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $8 | — | $8 | 0.02% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $8 | — | $8 | 0.02% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $8 | — | $8 | 0.02% |
| KIMBERLY MUMFORD3 | 1415 SUNNY AVE NEW CASTLE, PA 16101 | AFLAC | $7 | — | $7 | 0.02% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $5 | — | $5 | 0.01% |
| DANIEL R JUDY3 Filed as: DANIEL JUDY | 231 WALTERS MILL ROAD SOMERSET, PA 15501 | AFLAC | $4 | — | $4 | 0.01% |
| CAROL BUSH3 | 1069 MARCY DRIVE DELAND, FL 32724 | AFLAC | $4 | — | $4 | 0.01% |
| DOMINICK J LACARIA3 Filed as: DOMINICK LACARIA | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $3 | — | $3 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 333 OVERLOOK LANE GULP MILLS, PA 19428 | AFLAC | $3 | — | $3 | 0.01% |
| MARILYN WYMAN3 | 4276 STONE CREEK DRIVE ERIE, PA 16506 | AFLAC | $2 | — | $2 | 0.00% |
| JOY GRUBE PADGELEK3 Filed as: JOY PADGELEK | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $2 | — | $2 | 0.00% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $1 | — | $1 | 0.00% |
| SHARON R GRANT3 Filed as: SHARON GRANT | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES DAVID PORTERFIELD3 Filed as: JAMES PORTERFIELD | PO BOX 3041 ELKINS, WV 26241 | AFLAC | $0 | — | $0 | 0.00% |
| FRED A REEDER3 Filed as: FRED REEDER | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $211 | — | $211 | 7.20% |
| MICHELLE REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $191 | — | $191 | 6.52% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH MCGINTY, JR | 1386 MOHR CIR MACUNGIE, PA 18062 | AFLAC | $43 | — | $43 | 1.47% |
| JEFFREY CHUBB3 | 520 WEST 4TH ST WILLIAMSPORT, PA 17701 | AFLAC | $28 | — | $28 | 0.96% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $4 | — | $4 | 0.14% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.10% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.03% |
| DARREN RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIMERICA INSURANCE COMPANY NONE | Insurance services Service code 23 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $491K |
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $151K |
| L.R. WEBBER ASSOCIATES EIN 25-1301205 NONE | Insurance agents and brokers Service code 22 | — | $29K |
| THE BENECON GROUP, INC EIN 23-1315351 NONE | Insurance agents and brokers Service code 22 | — | $29K |
| PBASC EIN 26-3958502 NONE | Plan Administrator Service code 14 | — | $6K |
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 | 735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 735 | $283K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 735 | $283K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 735 | $283K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 735 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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.