| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | EB COMMISSIONS P.O. BOX 896620 CHARLOTTE, NC 282896620 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 10.00% |
| STEVEN G SCHULTZ3 | 231 SOUTH 3RD STREET CATAWISSA, PA 17820 | AFLAC | $165 | — | $165 | 3.73% |
| JEFFREY CHUBB3 | 520 W FOURTH STREET STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $85 | — | $85 | 1.92% |
| C A LUPP INC3 Filed as: C A LUPP, INC. | 940 E PARK DRIVE STE 300 HARRISBURG, PA 17111 | AFLAC | $62 | — | $62 | 1.40% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $58 | — | $58 | 1.31% |
| SUSAN J CHUBB3 | 520 W FOURTH STREET STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $54 | — | $54 | 1.22% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $34 | — | $34 | 0.77% |
| SUSAN J CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $18 | — | $18 | 0.41% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $12 | — | $12 | 0.27% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $4 | — | $4 | 0.09% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PR 17112 | AFLAC | $4 | — | $4 | 0.09% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | — | $4 | 0.09% |
| MARTIN E BYSTROM3 | 253 MONORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | — | $3 | 0.07% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $2 | — | $2 | 0.05% |
| STEPHEN G SCHULTZ3 | 231 SOUTH 3RD STREET CATAWISSA, PA 17820 | AFLAC | $106 | — | $106 | 2.87% |
| GEARY L WALIZER3 Filed as: GEARY L WALIZERF | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $55 | — | $55 | 1.49% |
| JEFFREY CHUBB3 | 520 WEST 4TH STREET SUITE 1A WILLIAMSPORT, PA 17701 | AFLAC | $37 | — | $37 | 1.00% |
| FRED A REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $37 | — | $37 | 1.00% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $33 | — | $33 | 0.89% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $28 | — | $28 | 0.76% |
| C A LUPP INC3 | 940 E PARK DR STE 300 HARRISBURG, PA 17111 | AFLAC | $19 | — | $19 | 0.52% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $6 | — | $6 | 0.16% |
| JEFFREY CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $6 | — | $6 | 0.16% |
| SUSAN J CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $4 | — | $4 | 0.11% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $4 | — | $4 | 0.11% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $3 | — | $3 | 0.08% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $2 | — | $2 | 0.05% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NC 08037 | AFLAC | $1 | — | $1 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.03% |
| RYAN K GOLDBERG3 Filed as: RYAN K GOLDBERT | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.03% |
| SUSAN J CHUBB3 | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $1 | — | $1 | 0.03% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.03% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS INC. | 2500 ELMERTON AVE. HARRISBURG, PA 17177 | COMPANION LIFE INSURANCE COMPANY | $329 | — | $329 | 18.69% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 49 | $18K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 113 | $2K |
| Other(3 contracts, 2 carriers) | AFLAC | 113 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.