| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&N FINANCIAL SERVICES CORPORATION3 | 90 MAIN STREET WELLSBORO, PA 16901 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $5K | — | $5K | 2.89% |
| C&N FINANCIAL SVCS CORP3 | 90-92 MAIN ST WELLSBORO, PA 16901 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $4K | — | $4K | 5.88% |
| C&N FINANCIAL SVCS CORP3 | 90-92 MAIN ST WELLSBORO, PA 16901 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $4K | — | $4K | 10.65% |
| MICHELLE REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $5K | $125 | $5K | 13.72% |
| JEFFREY CHUBB3 | 520 W FOURTH STREET STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $1K | $25 | $1K | 3.28% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $1K | $25 | $1K | 2.97% |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $298 | — | $298 | 0.78% |
| NORTH EAST EMPIRE INC3 Filed as: NORTH EAST EMPIRE, INC | 8 W BROAD ST STE 720 HAZLETON, PA 18201 | AFLAC | $205 | — | $205 | 0.53% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $191 | — | $191 | 0.50% |
| REEDER INS LLC3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $83 | — | $83 | 0.22% |
| SUSAN J CHUBB3 Filed as: SUSAN CHUBB | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $76 | — | $76 | 0.20% |
| JAMES M ECK3 | 335 PENNSYLVANIA AVE KANE, PA 16735 | AFLAC | $76 | — | $76 | 0.20% |
| C A LUPP INC3 | 940 E PARK DR HARRISBURG, PA 17111 | AFLAC | $58 | — | $58 | 0.15% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $44 | — | $44 | 0.11% |
| BILLY M CRAIN3 Filed as: BILLY CRAIN | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $41 | — | $41 | 0.11% |
| ROLLIN C PRICE3 | 758 CEMETERY ROAD MUNCY, PA 17756 | AFLAC | $28 | — | $28 | 0.07% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 833 N PARK ROAD SUITE 220 READING, PA 19610 | AFLAC | $27 | — | $27 | 0.07% |
| JAMES I IDDINGS SR3 Filed as: JAMES IDDINGS, SR | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $24 | — | $24 | 0.06% |
| DELMAS R BUTLER JR3 Filed as: DELMAS BURLER, JR | 46 SOUTH TULPEHOCKEN ST PINE GROCE, PA 17963 | AFLAC | $19 | — | $19 | 0.05% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $18 | — | $18 | 0.05% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $18 | — | $18 | 0.05% |
| C A LUPP INC3 Filed as: C A LUPP | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $15 | — | $15 | 0.04% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $13 | — | $13 | 0.03% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $13 | — | $13 | 0.03% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $10 | — | $10 | 0.03% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $10 | — | $10 | 0.03% |
| RYAN GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $10 | — | $10 | 0.03% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 E PARK DRIVE SUITE 301 HARRISBURG, PA 17111 | AFLAC | $9 | — | $9 | 0.02% |
| JEANNE K BLOISE3 | 432 ALDER ST OLEAN, NY 14760 | AFLAC | $9 | — | $9 | 0.02% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $8 | — | $8 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $7 | — | $7 | 0.02% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $4 | — | $4 | 0.01% |
| DIANNE L MARTIN3 Filed as: DIANNE L. MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $4 | — | $4 | 0.01% |
| DANIEL R JUDY3 Filed as: DANIEL JUDY | 231 WALTERS MILL ROAD SOMERSET, PA 15501 | AFLAC | $3 | — | $3 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE300 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.01% |
| DOMINICK J LACARIA3 Filed as: DOMINICK LACARIA | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $2 | — | $2 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $2 | — | $2 | 0.01% |
| SHELLY J. CAMPO3 Filed as: SHELLY CAMPO | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH M SAULSBERY3 | 1009 RED SKY LN UNIT 102 MURRELS INLET, SC 29576 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA G SMITH3 | PO BOX 2207 MYRTLE BEACH, SC 29578 | AFLAC | $1 | — | $1 | 0.00% |
| DENNIS A SZCZESNY3 | 165 INVERNESS DR LEXINGTON, SC 29072 | AFLAC | $0 | — | $0 | 0.00% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $0 | — | $0 | 0.00% |
| MICHELLE REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $163 | $18 | $181 | 7.09% |
| FRED A REEDER3 Filed as: FRED REEDER | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $157 | — | $157 | 6.15% |
| KEVIN D NOLL3 | PO BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $27 | — | $27 | 1.06% |
| JEFFREY CHUBB3 Filed as: JEFFREY CHARLES CHUBB | 520 WEST 4TH ST WILLIAMSPORT, PA 17701 | AFLAC | $20 | — | $20 | 0.78% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $12 | — | $12 | 0.47% |
| JEFFREY CHUBB3 Filed as: JEFFREY CHARLES CHUBB | 520 WEST 4TH ST WILLIAMSPORT, PA 17701 | AFLAC | $5 | — | $5 | 0.20% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $3 | — | $3 | 0.12% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $2 | — | $2 | 0.08% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.04% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | 0.04% |
| DARREN D RIDDLE3 Filed as: DARREN DWAYNE RIDDLE | 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 | $526K |
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $94K |
| 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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATION LIFE INSURANCE COMPANY | 267 | $161K |
| Life insurance | THE LINCOLN NATION LIFE INSURANCE COMPANY | 371 | $63K |
| Long-term disability | THE LINCOLN NATION LIFE INSURANCE COMPANY | 295 | $42K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATION LIFE INSURANCE COMPANY | 371 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.