| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL B ANDERSON3 | 125 VINCENT ST MIFFLINTOWN, PA 17059 | AFLAC | $6K | $226 | $6K | 6.71% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $1K | $43 | $2K | 1.75% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DR GLEN ALLEN, VA 23059 | AFLAC | $627 | $142 | $769 | 0.89% |
| JOANN G. CIAVARELLA3 Filed as: JOANN G CIAVARELLA | 229 WALNUT LEVEL RD NEW CUMBERLAND, PA 17070 | AFLAC | $705 | $23 | $728 | 0.84% |
| FRED A REEDER3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AFLAC | $479 | $0 | $479 | 0.55% |
| JOSEPH B MCGINTY JR3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $315 | $22 | $337 | 0.39% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $274 | $0 | $274 | 0.32% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $262 | $4 | $266 | 0.31% |
| JOSEPH B MCGINTY JR3 | 4949 LIBERTY LN STE 310 ALLENTOWN, PA 18106 | AFLAC | $260 | $0 | $260 | 0.30% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $235 | $0 | $235 | 0.27% |
| C A LUPP INC3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $205 | $0 | $205 | 0.24% |
| GAILE F DELBAUGH3 | PO BOX 83 MOUNT GRETNA, PA 17064 | AFLAC | $192 | $0 | $192 | 0.22% |
| GEARY L WALIZER3 | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $185 | $0 | $185 | 0.21% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $179 | $0 | $179 | 0.21% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE CT MECHANICSBURG, PA 17050 | AFLAC | $154 | $4 | $158 | 0.18% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $88 | $0 | $88 | 0.10% |
| RUEANN M EMERSON3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $53 | $29 | $82 | 0.09% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $78 | $0 | $78 | 0.09% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $74 | $0 | $74 | 0.09% |
| RICHARD KIDD3 | 5523 WINTERCREEK DR GLEN ALLEN, VA 23060 | AFLAC | $45 | $24 | $69 | 0.08% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DR STE 205 RICHMOND, VA 23236 | AFLAC | $51 | $0 | $51 | 0.06% |
| DAVID K AGARWAL3 | PO BOX 15315 PITTSBURGH, PA 15237 | AFLAC | $36 | $0 | $36 | 0.04% |
| JESSICA M GAINES3 | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $27 | $5 | $32 | 0.04% |
| MICHAEL WORLEY3 | 20240 BOCKMAN HOLLOW RD SAEGERTOWN, PA 16433 | AFLAC | $30 | $0 | $30 | 0.03% |
| C H ROBINSON & ASSOCIATES INC3 | 4623 NW 53RD AVE STE 1A GAINESVILLE, FL 32653 | AFLAC | $28 | $0 | $28 | 0.03% |
| IRENE E BROOKS3 | 833 NORTH PARK RD STE 220 READING, PA 19610 | AFLAC | $27 | $0 | $27 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $22 | $0 | $22 | 0.03% |
| CLARENCE L ROE3 | 55 LIME ROCK MILL RD GARDNERS, PA 17324 | AFLAC | $21 | $0 | $21 | 0.02% |
| RAMKRISHNA AGARWAL3 | 106 SHEFFIELD LN MCMURRAY, PA 15317 | AFLAC | $16 | $0 | $16 | 0.02% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW RD SAEGERTOWN, PA 16433 | AFLAC | $15 | $0 | $15 | 0.02% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $12 | $0 | $12 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $11 | $0 | $11 | 0.01% |
| GREG SULLIVAN3 Filed as: GREG E SULLIVAN | 210 SUTTONS RUN GOLDSBORO, NC 27534 | AFLAC | $10 | $0 | $10 | 0.01% |
| ANEGLA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $10 | $0 | $10 | 0.01% |
| DENNIS L HULSE3 | 240 PARALLEL ST PLEASANTVILLE, PA 16341 | AFLAC | $9 | $0 | $9 | 0.01% |
| MAURICE WATSON3 Filed as: MAURICE R WATSON | 408 WALKING STICK TRAIL CLINTON, NC 28328 | AFLAC | $9 | $0 | $9 | 0.01% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $7 | $0 | $7 | 0.01% |
| BILLY M CRAIN3 | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $5 | $0 | $5 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $5 | $0 | $5 | 0.01% |
| MARTIN D ADAMS3 | PO BOX 1927 CLINTON, NC 28329 | AFLAC | $4 | $0 | $4 | 0.00% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $4 | $0 | $4 | 0.00% |
| JESSICA M GAINES3 | 10809 KING WILLIAM RD APT 4A AYLETT, VA 23009 | AFLAC | $3 | $0 | $3 | 0.00% |
| JOEL S WADDELL3 | 354 NC 581 HWY S GOLDSBORO, NC 27530 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $3 | $0 | $3 | 0.00% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $1 | $0 | $1 | 0.00% |
| MELISSA DAWN MCCLAIN3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | AFLAC | $1 | $0 | $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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 114 | $87K |
| Dental | AFLAC | 114 | $87K |
| Vision | AFLAC | 114 | $87K |
| Life insurance | AFLAC | 114 | $87K |
| Short-term disability | AFLAC | 114 | $87K |
| Other | AFLAC | 114 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.