| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE AUDI3 | 2508 GODDARD AVENUE SINKING SPRING, PA 19608 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 4.96% |
| INSURANCE SPECIALTIES INC3 Filed as: INSURANCE SPECIALTIES | 211 CHALLEDON DRIVE CANDLER, NC 28715 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 2.16% |
| ROBERT C. WILLIAMS3 | 330 HARRIS HILL ROAD SHAVERTOWN, PA 18708 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 1.92% |
| EDWARD JOSEPH NYZIO III3 | 703 LANDIS STREET SCRANTON, PA 18704 | AETNA LIFE INSURANCE CO. | $772 | — | $772 | 0.38% |
| CHRISTINE CANTWELL3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $23K | $880 | $24K | 44.47% |
| JONATHAN DUNN3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $8K | $545 | $8K | 15.58% |
| JUSTIN E GRIESINGER3 Filed as: JUSTIN GRIESINGER | 8111 WAXHAW CREEK RD WAXHAW, NC 28173 | AFLAC | $3K | $2 | $3K | 5.44% |
| KELLY MCGARRY3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $3K | $37 | $3K | 5.23% |
| BRIAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $3K | $7 | $3K | 4.65% |
| ANA DAIGLE BURNSIDE3 Filed as: ANA DAIGLE | 13309 CANTERBURY CASTLE DR CHARLOTTE, NC 28273 | AFLAC | $2K | $18 | $2K | 4.13% |
| YOHANIS SMITH3 | 42 COLONIAL DR CHARLES TOWN, WV 25414 | AFLAC | $2K | — | $2K | 3.65% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $1K | $42 | $1K | 2.37% |
| LORRETTA MCNEIL3 | 8111 WAXHAW CREEK RD WAXHAW, NC 28173 | AFLAC | $952 | — | $952 | 1.75% |
| MORIAH GRIESINGER3 | 8111 WAXHAW CREEK RD WAXHAW, NC 28173 | AFLAC | $952 | — | $952 | 1.75% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $839 | $87 | $926 | 1.70% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $755 | $49 | $804 | 1.48% |
| NORTH EAST EMPIRE INC3 | 8 W BROAD ST STE 720 HAZELTON, PA 18201 | AFLAC | $503 | $147 | $650 | 1.19% |
| NICHOLAS CAFFREY3 | 1800 FLORENCE RD MOUNT AIRY, MD 21771 | AFLAC | $631 | — | $631 | 1.16% |
| ENROLLEASE3 Filed as: MARK CLARKE | 317 WILLOW AVE CAMP HILL, PA 17011 | AFLAC | $481 | $37 | $518 | 0.95% |
| MATTHEW G BURNSIDE3 Filed as: MATTHEW BURNSIDE | 13309 CANTERBURY CASTLE DRIVE CHARLOTTE, NC 28273 | AFLAC | $368 | — | $368 | 0.68% |
| MICHAEL C WALKER3 Filed as: MICHAEL FIEDLER | 910 DARLENE AVE OCEAN, NJ 07712 | AFLAC | $255 | $107 | $362 | 0.66% |
| DALE ARTHUR LOVELLE3 Filed as: DALE LOVELLE | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $262 | $80 | $342 | 0.63% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $332 | — | $332 | 0.61% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $312 | — | $312 | 0.57% |
| ALICIA HALL3 | 14348 ROSETREE CT SILVER SPRING, MD 20906 | AFLAC | $242 | $46 | $288 | 0.53% |
| ROBERT CARTER3 | 95 BERKSHIRE DR FALLING WATERS, WV 25419 | AFLAC | $276 | $10 | $286 | 0.52% |
| KELSEY N STRINE3 Filed as: KELSEY STRINE | 6729 GREEN MILL WAY COLUMBIA, MD 21044 | AFLAC | $141 | $57 | $198 | 0.36% |
| BETZABE CARRIZALES3 | 514 S YORK ST GASTONIA, NC 28052 | AFLAC | $190 | — | $190 | 0.35% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 4515 S MCCLINTOCK DR SUITE 212 TEMPE, AZ 85282 | AFLAC | $173 | $7 | $180 | 0.33% |
| JOSEPH G GRABLICK3 Filed as: JOSEPH GRABLICK | 716 SUSQUEHANNA AVE WYOMING, PA 18644 | AFLAC | $165 | — | $165 | 0.30% |
| JEFFREY R HARDY3 Filed as: JEFFREY HARDY | 6100 BLACK WILLOW DR GREENSBORO, NC 27405 | AFLAC | $126 | $20 | $146 | 0.27% |
| TRACEY E HARMON3 Filed as: TRACEY HARMON | 1736 GORDON AVE WINDSOR MILL, MD 21244 | AFLAC | $134 | — | $134 | 0.25% |
| EDWIN VEGA3 | 134 PINCOVE AVE ODENTON, MD 21113 | AFLAC | $133 | — | $133 | 0.24% |
| DAVID SPENCER3 | 2470 W ROUTE 897 DENVER, PA 17517 | AFLAC | $126 | $7 | $133 | 0.24% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $95 | $25 | $120 | 0.22% |
| RHONDA NEWMAN3 | 9017 RED BRANCH RD STE 201 COLUMBIA, MD 21045 | AFLAC | $111 | — | $111 | 0.20% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $111 | — | $111 | 0.20% |
| ANTHONY ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17710 | AFLAC | $79 | $7 | $86 | 0.16% |
| ELIZABETH HARKEY3 | 501 N CHURCH ST STE 300 CHARLOTTE, NC 28202 | AFLAC | $53 | $18 | $71 | 0.13% |
| MICHAEL C WALKER3 Filed as: MICHAEL SHIOMOS | 44 MONROE DR CLEMENTON, NJ 08021 | AFLAC | $40 | $18 | $58 | 0.11% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $41 | $13 | $54 | 0.10% |
| LAUREN GREENWOOD3 | 1026 PENNINGTON DR LANCASTER, SC 29720 | AFLAC | $47 | — | $47 | 0.09% |
| JAMES ZOMBRO3 | 170 KENTUCKY LANE BERKELEY SPRINGS, WV 25411 | AFLAC | $34 | $10 | $44 | 0.08% |
| JAMIE JONES3 | 12826 ENGLISH WALNUT LN CHARLOTTE, NC 28215 | AFLAC | $43 | — | $43 | 0.08% |
| KELLY LEBSACK3 | 823 N ELM ST GREENSBORO, NC 27401 | AFLAC | $37 | $4 | $41 | 0.08% |
| ROBERT LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $37 | — | $37 | 0.07% |
| JOEL WATERS3 | 2505 IRISDALE AVE HENRICO, VA 23228 | AFLAC | $25 | $10 | $35 | 0.06% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | AFLAC | $32 | — | $32 | 0.06% |
| BRIAN T BUFFONE3 Filed as: BRIAN BUFFONE | 646 HARVEST VIEW LN DUNCANSVILLE, PA 16635 | AFLAC | $32 | — | $32 | 0.06% |
| JAMES HAWKINS3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $26 | $6 | $32 | 0.06% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER JR | 1588 BAYTREE DR HARRELLS, SC 28444 | AFLAC | $22 | $4 | $26 | 0.05% |
| DARLENE S DILLON3 Filed as: DARLENE DILLON | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $23 | — | $23 | 0.04% |
| MARY KAYE WASHO3 Filed as: MARY WASHO | 106 CEDAR BLUFF CT SUITE 315 ALEDO, TX 76008 | AFLAC | $22 | — | $22 | 0.04% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $17 | — | $17 | 0.03% |
| GEORGE T BARRETT3 Filed as: GEORGE BARRETT | 10301 BREAKWATER CT OCEAN CITY, MD 21842 | AFLAC | $11 | $6 | $17 | 0.03% |
| DEAN B GRIFFITH3 Filed as: DEAN GRIFFITH | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $15 | — | $15 | 0.03% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $13 | — | $13 | 0.02% |
| KAREN MCNABB3 | 50 CYPRESS POINT DR CHARLES TOWN, WV 25414 | AFLAC | $13 | — | $13 | 0.02% |
| SUSAN O'CONNELL3 | 5381 W HILLSBORO BLVD UNIT 18-108 COCONUT CREEK, FL 33073 | AFLAC | $12 | — | $12 | 0.02% |
| JOHN M WASHO3 Filed as: JOHN WASHO | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $12 | — | $12 | 0.02% |
| JEFFREY S GIBSON3 Filed as: JEFFREY GIBSON | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 23060 | AFLAC | $10 | — | $10 | 0.02% |
| LANA A ELKINS3 Filed as: LANA ELKINS | 1024 BOURLAND RD KELLER, TX 76248 | AFLAC | $8 | — | $8 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $7 | — | $7 | 0.01% |
| ROBERT PLANTE JR3 | 3530 WORTHINGTON BLVD URBANA, MD 21704 | AFLAC | $7 | — | $7 | 0.01% |
| BOYD GLOVER JR3 | 60 MOORCLIFFE LB VERONA, VA 24482 | AFLAC | $6 | — | $6 | 0.01% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE #106 WLMINGTON, NC 28405 | AFLAC | $4 | $2 | $6 | 0.01% |
| RICHARD JONES3 | 12826 ENGLISH WALNUT LANE CHARLOTTE, NC 28215 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $4 | — | $4 | 0.01% |
| MIL-LIN INC3 | 1640 W COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $3 | — | $3 | 0.01% |
| SALLY MEAD3 | 1535 FIANNA PLACE TERR FORT SMITH, AR 72908 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL A VASIL3 Filed as: MICHAEL BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $2 | — | $2 | 0.00% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINA CANTWELL3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $1K | $19 | $1K | 3.44% |
| SHANNON GERACE3 | 1411 CHILI AVE SUITE 3 ROCHESTER, NY 14624 | AFLAC | $787 | — | $787 | 2.62% |
| JONATHAN DUNN3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $399 | $4 | $403 | 1.34% |
| DARBY SMITH3 | 89 CEDAR ST APT 106 MORRISVILLE, NY 13408 | AFLAC | $399 | — | $399 | 1.33% |
| PAUL SAMUEL OWENS3 Filed as: PAUL OWENS | 279 RIVER ST ROCHESTER, NY 14612 | AFLAC | $253 | $21 | $274 | 0.91% |
| MARK WELCH3 | 303 EAST MAIN STREET AVON, NY 14414 | AFLAC | $249 | — | $249 | 0.83% |
| STEPHEN CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $213 | $31 | $244 | 0.81% |
| DAVID SCHENKEL JR3 | 3746 COLLEGE AVE ELLICOTT CITY, MD 21043 | AFLAC | $217 | — | $217 | 0.72% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST, STE 2 P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $165 | $6 | $171 | 0.57% |
| BRYAN FISH3 | 638 SIDELING CT SYKESVILLE, MD 21784 | AFLAC | $156 | — | $156 | 0.52% |
| DEIDRE F LOBAUGH3 Filed as: DEIDRE LOBAUGH | 44A WELLINGTON CT WILLIAMSVILLE, NY 14221 | AFLAC | $139 | — | $139 | 0.46% |
| BRENDAN MCCARTHY AND CREW INC3 | 1411 CHILI AVE STE 3 ROCHESTER, NY 14624 | AFLAC | $132 | $3 | $135 | 0.45% |
| PAMELA KARDEEN3 | 17 JAMESTOWN ST #1 GOWANDA, NY 14070 | AFLAC | $120 | — | $120 | 0.40% |
| TIMOTHY J. STANTON3 Filed as: TIMOTHY STANTON | 194 GENESEE STREET AVON, NY 14414 | AFLAC | $109 | — | $109 | 0.36% |
| TERESA STRONG3 | P.O. BOX 52 MACEDON, NY 14502 | AFLAC | $100 | — | $100 | 0.33% |
| DAWN PELLERIN3 | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $91 | — | $91 | 0.30% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $57 | — | $57 | 0.19% |
| JOHN R. CRIST3 Filed as: JOHN CRIST | 29 WELLWORTH PLACE CHEEKTOWAGA, NY 14225 | AFLAC | $53 | — | $53 | 0.18% |
| JOAN BUTLER3 | 1971 WESTERN AVE, STE 3 #162 ALBANY, NY 12203 | AFLAC | $43 | $9 | $52 | 0.17% |
| STEVEN DALABA3 | 405 CRAVER POINT DR CLEMMONS, NC 27012 | AFLAC | $50 | — | $50 | 0.17% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $41 | — | $41 | 0.14% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $38 | — | $38 | 0.13% |
| EDWARD D YATES JR3 Filed as: EDWARD YATES JR | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $32 | $6 | $38 | 0.13% |
| PATRICK J ENGASSER3 Filed as: PATRICK ENGASSER | 106 HARRISON AVENUE TONAWANDA, NY 14223 | AFLAC | $36 | — | $36 | 0.12% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $32 | — | $32 | 0.11% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $22 | — | $22 | 0.07% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $10 | $4 | $14 | 0.05% |
| MARY R COLEMAN3 Filed as: MARY COLEMAN | 44 RIDGE RD RENSSELAER, NY 12144 | AFLAC | $10 | $2 | $12 | 0.04% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $10 | — | $10 | 0.03% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $10 | — | $10 | 0.03% |
| STASH WOJESKI3 | P.O. BOX 960 NORTH CHATHAM, NY 12132 | AFLAC | $8 | $2 | $10 | 0.03% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $5 | — | $5 | 0.02% |
| DEBORAH M TALLMAN3 Filed as: DEBORAH TALLMAN | 255 PATROON CREEK BLVD ALBANY, NY 12206 | AFLAC | $3 | — | $3 | 0.01% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.01% |
| KRISTA ANNE ROTONDI3 Filed as: KRISTA GRASSIA | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $2 | — | $2 | 0.01% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $2 | — | $2 | 0.01% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $2 | — | $2 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $1 | — | $1 | 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 | 1,047 | 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) | 1,051 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK INC. | 1,189 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $201K |
| Vision | VISION BENEFITS OF AMERICA | 641 | $31K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,047 | $203K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,047 | $203K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,047 | $203K |
| Prescription drug | HIGHMARK INC. | 1,189 | $5.0M |
| Other(4 contracts, 3 carriers) | HIGHMARK INC. | 1,189 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,189 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.