| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | SEVEN GIRALDA FARMS, 2ND FLOOR MADISON, NJ 07940 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 5.00% |
| LYNN WARDLAW3 | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | AFLAC | $7K | $441 | $7K | 6.01% |
| MJ INSURANCE3 Filed as: JACQUELINE EBERZ AND VARIOUS AGENTS | 4949 LIBERTY LANE, SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $6K | $269 | $6K | 5.04% |
| TRACY ANN ANDERSON3 | 2115 WEST MARKET STREET POTTSVILLE, PA 17901 | AFLAC | $5K | $155 | $5K | 4.22% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JR. | 5300 OAKBROOK PARKWAY BUILDING 300, SUITE 350 NORCROSS, GA 30093 | AFLAC | $2K | $517 | $2K | 1.75% |
| MICHAEL B PETERS3 Filed as: MICHAEL BRANDON PETERS | 3385 SHOAL CREEK ROAD NW MONROE, GA 30656 | AFLAC | $1K | $358 | $2K | 1.59% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 1253 WEST LEESPORT ROAD LEESPORT, PA 19533 | AFLAC | $1K | — | $1K | 0.95% |
| GARY J BRENNAN II3 Filed as: GARY J. BRENNAN II | 460 NORTH CLAUDE A LORD BOULEVARD POTTSVILLE, PA 17901 | AFLAC | $1K | $34 | $1K | 0.92% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 76 | $76K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 397 | $143K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 76 | $76K |
| Other(2 contracts, 2 carriers) | AFLAC | 122 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.