| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES, INC | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 10.88% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17606 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.02% |
| C&N FINANCIAL SVCS CORP3 | 90-92 MAIN ST WELLSBORO, PA 16901 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $3K | — | $3K | 3.04% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $9K | $233 | $10K | 12.65% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $2K | $23 | $2K | 3.14% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $969 | $48 | $1K | 1.34% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $814 | — | $814 | 1.07% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $358 | $27 | $385 | 0.51% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $338 | $2 | $340 | 0.45% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $312 | — | $312 | 0.41% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $201 | — | $201 | 0.26% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $145 | — | $145 | 0.19% |
| C A LUPP INC3 | 940 E PARK DR HARRISBURG, PA 17111 | AFLAC | $85 | — | $85 | 0.11% |
| SUSAN J CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $79 | — | $79 | 0.10% |
| REEDER INS LLC3 | 109 WOODWARD AVE LOCKHAVEN, PA 17745 | AFLAC | $66 | — | $66 | 0.09% |
| ROLLIN C PRICE3 Filed as: ROLLIN PRICE | 758 CEMETERY RD MUNCY, PA 17756 | AFLAC | $53 | — | $53 | 0.07% |
| DEBRA L CARL3 Filed as: DEBRA CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $53 | — | $53 | 0.07% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $30 | — | $30 | 0.04% |
| BILLY M CRAIN3 | 1026 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $29 | — | $29 | 0.04% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $29 | — | $29 | 0.04% |
| JAMES I IDDINGS SR3 | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $26 | — | $26 | 0.03% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD DR DUNKIRK, NY 14048 | AFLAC | $26 | — | $26 | 0.03% |
| MICHAEL P FARLEY3 Filed as: MICHAEL R FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $21 | — | $21 | 0.03% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $19 | — | $19 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $18 | — | $18 | 0.02% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $16 | — | $16 | 0.02% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $16 | — | $16 | 0.02% |
| GEARY L WALIZER3 Filed as: GEARY WALIZER | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $15 | — | $15 | 0.02% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $13 | — | $13 | 0.02% |
| JOSEPH M SAULSBERY3 | 1009 RED SKY LN UNIT 102 MURRELLS INLET, SC 29576 | AFLAC | $13 | — | $13 | 0.02% |
| ROBERT RICHARD ARETTA3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $12 | — | $12 | 0.02% |
| CHRISTOPHER A LUPP3 | 940 E PART DR STE 301 HARRISBURG, PA 17111 | AFLAC | $11 | — | $11 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $10 | — | $10 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $7 | — | $7 | 0.01% |
| DONNA G SMITH3 | PO BOX 2207 MYRTLE BEACH, SC 29578 | AFLAC | $7 | — | $7 | 0.01% |
| DANIEL R JUDY3 | 231 WALTERS MILL ROAD SOMERSET, PA 15501 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3 | — | $3 | 0.00% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE300 BRIDGEVILLE, PA 15017 | 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% |
| C&N FINANCIAL SVCS CORP3 | 90-92 MAIN ST WELLSBORO, PA 16901 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $4K | — | $4K | 6.27% |
| C&N FINANCIAL SVCS CORP3 | 90-92 MAIN ST WELLSBORO, PA 16901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| FRED A REEDER3 Filed as: FRED REEDER | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $96 | — | $96 | 5.15% |
| MICHELLE REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $65 | $19 | $84 | 4.51% |
| KEVIN D NOLL3 | PO BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $27 | $4 | $31 | 1.66% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $12 | $4 | $16 | 0.86% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.16% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $2 | — | $2 | 0.11% |
| JEFFREY CHUBB3 Filed as: JEFFREY CHARLES CHUBB | 520 WEST 4TH ST WILLIAMSPORT, PA 17701 | AFLAC | $1 | — | $1 | 0.05% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.05% |
| 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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $161K |
| Life insurance | THE LINCOLN NATION LIFE INSURANCE COMPANY | 464 | $88K |
| Long-term disability | THE LINCOLN NATION LIFE INSURANCE COMPANY | 387 | $62K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATION LIFE INSURANCE COMPANY | 464 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.