| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & B INSURANCE SERVICES LLC3 Filed as: R AND B INSURANCE SERVICES | SUITE B LOCK HAVEN, PA 17745 | AMERICAN UNITED LIFE INSURANCE COMPANY | $15K | $8K | $23K | 10.86% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES, LLC | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | THE GUARDIAN LIFE INSURANCE COMPANY | $21K | $3K | $24K | 21.94% |
| MICHELLE M REEDER3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $7K | $268 | $7K | 10.53% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES | 209 WOODWARD AVE #B LOCK HAVEN, PA 17745 | AFLAC | $2K | — | $2K | 3.42% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $1K | $63 | $1K | 1.73% |
| JEFFREY CHUBB3 Filed as: JEFFREY C CHUBB | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $526 | — | $526 | 0.77% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $286 | $63 | $349 | 0.51% |
| FRED A REEDER3 | 109 WOODWARD AVE LOCK HAVEN, PA 17745 | AFLAC | $179 | — | $179 | 0.26% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $142 | — | $142 | 0.21% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $108 | — | $108 | 0.16% |
| JUSTIN P ABRAHAM3 Filed as: JUSTIN P ABRAHAL | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $59 | — | $59 | 0.09% |
| ROLLIN C PRICE3 | 758 CEMETERY RD MUNCY, PA 17756 | AFLAC | $38 | — | $38 | 0.06% |
| DEBRA L CARL3 Filed as: DEBRA CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $35 | — | $35 | 0.05% |
| REEDER INS LLC3 | 109 WOODWARD AVE LOCKHAVEN, PA 17745 | AFLAC | $29 | — | $29 | 0.04% |
| JAMES I IDDINGS SR3 | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $26 | — | $26 | 0.04% |
| BILLY M CRAIN3 | 8990 WENTLETRAP AVE PORT ST JOE, FL 32456 | AFLAC | $26 | — | $26 | 0.04% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $23 | — | $23 | 0.03% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $20 | — | $20 | 0.03% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $19 | — | $19 | 0.03% |
| GEARY L WALIZER3 Filed as: GEARY WALIZER | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $15 | — | $15 | 0.02% |
| C A LUPP INC3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $14 | — | $14 | 0.02% |
| JOSEPH M SAULSBERY3 | 1009 RED SKY LN UNIT 102 MURRELLS INLET, SC 29576 | AFLAC | $13 | — | $13 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $8 | — | $8 | 0.01% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $7 | — | $7 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $7 | — | $7 | 0.01% |
| DONNA G SMITH3 | PO BOX 2207 MYRTLE BEACH, SC 29578 | AFLAC | $7 | — | $7 | 0.01% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRUSBURG, PA 17110 | AFLAC | $5 | — | $5 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 HARRISBURG, PA 17050 | AFLAC | $4 | — | $4 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $4 | — | $4 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE | PO BOX 211 HUNKER, PA 15639 | 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 STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.00% |
| DENNIS A SZCZESNY3 | 15460 ALSASK CIR PORT CHARLOTTE, FL 33981 | AFLAC | $3 | — | $3 | 0.00% |
| DANIEL R JUDY3 | 231 WALTERS MILL ROAD SOMERSET, PA 15501 | AFLAC | $2 | — | $2 | 0.00% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 Filed as: LAUNCHPAD BENEFIT SOLUTIONS LLC | 529 FAYETTE ST STE 202 CONSHOHOCKEN, PA 19608 | AFLAC | $2 | — | $2 | 0.00% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $2 | — | $2 | 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% |
| FRED A REEDER3 Filed as: FRED REEDER | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $96 | — | $96 | 7.91% |
| MICHELLE REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $15 | — | $15 | 1.24% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.25% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $2 | — | $2 | 0.16% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1 | — | $1 | 0.08% |
| 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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 381 | $110K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 474 | $208K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 381 | $110K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 474 | $208K |
| Other(4 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 474 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.