| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES, LLC | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 5.62% |
| C&N FINANCIAL SVCS CORP3 | 90-92 MAIN ST WELLSBORO, PA 16901 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $144K | — | $144K | 72.35% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $7K | $239 | $7K | 11.47% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $2K | $0 | $2K | 3.33% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $1K | $56 | $1K | 1.83% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $595 | — | $595 | 0.91% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $245 | $56 | $301 | 0.46% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $227 | — | $227 | 0.35% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $151 | — | $151 | 0.23% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $124 | — | $124 | 0.19% |
| DEBRA L CARL3 Filed as: DEBRA CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $53 | — | $53 | 0.08% |
| ROLLIN C PRICE3 Filed as: ROLLIN PRICE | 758 CEMETERY RD MUNCY, PA 17756 | AFLAC | $48 | — | $48 | 0.07% |
| SUSAN J CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $32 | — | $32 | 0.05% |
| REEDER INS LLC3 | 109 WOODWARD AVE LOCKHAVEN, PA 17745 | AFLAC | $29 | — | $29 | 0.04% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $26 | — | $26 | 0.04% |
| JAMES I IDDINGS SR3 | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $26 | — | $26 | 0.04% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $25 | — | $25 | 0.04% |
| BILLY M CRAIN3 | 1026 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $24 | — | $24 | 0.04% |
| GEARY L WALIZER3 Filed as: GEARY WALIZER | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $15 | — | $15 | 0.02% |
| C A LUPP INC3 | 940 E PARK DR HARRISBURG, PA 17111 | AFLAC | $14 | — | $14 | 0.02% |
| JOSEPH M SAULSBERY3 | 1009 RED SKY LN UNIT 102 MURRELLS INLET, SC 29576 | AFLAC | $13 | — | $13 | 0.02% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $12 | — | $12 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $11 | — | $11 | 0.02% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $10 | — | $10 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $8 | — | $8 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $8 | — | $8 | 0.01% |
| CHRISTOPHER A LUPP3 | 940 E PART DR STE 301 HARRISBURG, PA 17111 | AFLAC | $7 | — | $7 | 0.01% |
| DONNA G SMITH3 | PO BOX 2207 MYRTLE BEACH, SC 29578 | AFLAC | $7 | — | $7 | 0.01% |
| ROBERT RICHARD ARETTA3 | PO BOX 211 HUNKER, PA 15639 | AFLAC | $6 | — | $6 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE | PO BOX 211 HUNKER, PA 15639 | AFLAC | $6 | — | $6 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | — | $5 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.01% |
| DANIEL R JUDY3 | 231 WALTERS MILL ROAD SOMERSET, PA 15501 | AFLAC | $3 | — | $3 | 0.00% |
| 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% |
| KIMBERLY A BLOISE3 | 5056 W SHOREWOOD DR DUNKIRK, NY 14048 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL P FARLEY3 Filed as: MICHAEL R FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $1 | — | $1 | 0.00% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $0 | $0 | $0 | 0.00% |
| FRED A REEDER3 Filed as: FRED REEDER | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $96 | — | $96 | 7.54% |
| MICHELLE REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $19 | — | $19 | 1.49% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.24% |
| KEVIN D NOLL3 | PO BOX 29 ALBRIGHTSVILLE, PA 18210 | AFLAC | $2 | — | $2 | 0.16% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $2 | — | $2 | 0.16% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $1 | — | $1 | 0.08% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.08% |
| JEFFREY CHUBB3 Filed as: JEFFREY CHARLES CHUBB | 520 WEST 4TH ST WILLIAMSPORT, PA 17701 | AFLAC | $0 | — | $0 | 0.00% |
| DARREN D RIDDLE3 Filed as: DARREN DWAYNE RIDDLE | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $0 | — | $0 | 0.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES | 1644 PLANK RD DUNCANSVILLE, PA 16635 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3060.00% |
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17606 | METROPOLITAN LIFE INSURANCE COMPANY | $153 | — | $153 | 306.00% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 390 | $267K |
| Life insurance | THE LINCOLN NATION LIFE INSURANCE COMPANY | 484 | $200K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 390 | $267K |
| Long-term disability | THE LINCOLN NATION LIFE INSURANCE COMPANY | 484 | $200K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 484 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.