| 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 | $2K | — | $2K | 1.53% |
| C&N FINANCIAL SVCS CORP3 | 90-92 MAIN ST WELLSBORO, PA 16901 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $3K | — | $3K | 3.82% |
| MICHELLE REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $8K | $299 | $9K | 14.33% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $2K | $60 | $2K | 3.43% |
| JEFFREY CHUBB3 | 520 W FOURTH STREET STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $678 | $56 | $734 | 1.22% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $703 | — | $703 | 1.17% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $456 | $4 | $460 | 0.77% |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $342 | — | $342 | 0.57% |
| NORTH EAST EMPIRE INC3 Filed as: NORTH EAST EMPIRE, INC | 8 W BROAD ST STE 720 HAZLETON, PA 18201 | AFLAC | $205 | — | $205 | 0.34% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $193 | — | $193 | 0.32% |
| REEDER INS LLC3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $99 | — | $99 | 0.16% |
| JAMES M ECK3 | 335 PENNSYLVANIA AVE KANE, PA 16735 | AFLAC | $91 | — | $91 | 0.15% |
| C A LUPP INC3 | 940 E PARK DR HARRISBURG, PA 17111 | AFLAC | $87 | — | $87 | 0.14% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $53 | — | $53 | 0.09% |
| BILLY M CRAIN3 Filed as: BILLY CRAIN | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $49 | — | $49 | 0.08% |
| SUSAN J CHUBB3 Filed as: SUSAN CHUBB | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $48 | — | $48 | 0.08% |
| ROLLIN C PRICE3 | 758 CEMETERY ROAD MUNCY, PA 17756 | AFLAC | $46 | — | $46 | 0.08% |
| JACK A MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $41 | — | $41 | 0.07% |
| SUSAN J CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $35 | — | $35 | 0.06% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 833 N PARK ROAD SUITE 220 READING, PA 19610 | AFLAC | $32 | — | $32 | 0.05% |
| DELMAS R BUTLER JR3 Filed as: DELMAS BURLER, JR | 46 SOUTH TULPEHOCKEN ST PINE GROCE, PA 17963 | AFLAC | $27 | — | $27 | 0.04% |
| JAMES I IDDINGS SR3 Filed as: JAMES IDDINGS, SR | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $26 | — | $26 | 0.04% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $21 | — | $21 | 0.03% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $19 | — | $19 | 0.03% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $18 | — | $18 | 0.03% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $16 | — | $16 | 0.03% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $16 | — | $16 | 0.03% |
| CHRISTOPHER A LUPP3 | 940 E PARK DRIVE SUITE 301 HARRISBURG, PA 17111 | AFLAC | $13 | — | $13 | 0.02% |
| JOSEPH M SAULSBERY3 | 1009 RED SKY LN UNIT 102 MURRELS INLET, SC 29576 | AFLAC | $13 | — | $13 | 0.02% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $12 | — | $12 | 0.02% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $12 | — | $12 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $12 | — | $12 | 0.02% |
| JEANNE K BLOISE3 | 432 ALDER ST OLEAN, NY 14760 | AFLAC | $11 | — | $11 | 0.02% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $10 | — | $10 | 0.02% |
| GEARY L WALIZER3 | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $9 | — | $9 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $8 | — | $8 | 0.01% |
| DONNA G SMITH3 | PO BOX 2207 MYRTLE BEACH, SC 29578 | AFLAC | $7 | — | $7 | 0.01% |
| DANIEL R JUDY3 Filed as: DANIEL JUDY | 231 WALTERS MILL ROAD SOMERSET, PA 15501 | AFLAC | $4 | — | $4 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE300 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.00% |
| DOMINICK J LACARIA3 Filed as: DOMINICK LACARIA | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $3 | — | $3 | 0.00% |
| DENNIS A SZCZESNY3 | 165 INVERNESS DR LEXINGTON, SC 29072 | AFLAC | $3 | — | $3 | 0.00% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $2 | — | $2 | 0.00% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.00% |
| SHARON R GRANT3 | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $1 | — | $1 | 0.00% |
| C&N FINANCIAL SVCS CORP3 | 90-92 MAIN ST WELLSBORO, PA 16901 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $4K | — | $4K | 8.60% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES, LLC | 380 E MAIN ST LOCK HAVEN, PA 17745 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.00% |
| MICHELLE REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $98 | $16 | $114 | 5.03% |
| FRED A REEDER3 Filed as: FRED REEDER | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $96 | — | $96 | 4.24% |
| KEVIN D NOLL3 | PO BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $21 | $3 | $24 | 1.06% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $18 | — | $18 | 0.79% |
| JEFFREY CHUBB3 Filed as: JEFFREY CHARLES CHUBB | 520 WEST 4TH ST WILLIAMSPORT, PA 17701 | AFLAC | $14 | $3 | $17 | 0.75% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.13% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $2 | — | $2 | 0.09% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.04% |
| DARREN D RIDDLE3 Filed as: DARREN DWAYNE RIDDLE | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $0 | — | $0 | 0.00% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATION LIFE INSURANCE COMPANY | 306 | $153K |
| Life insurance | THE LINCOLN NATION LIFE INSURANCE COMPANY | 400 | $67K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $15K |
| Long-term disability | THE LINCOLN NATION LIFE INSURANCE COMPANY | 326 | $46K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATION LIFE INSURANCE COMPANY | 400 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.