| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING LLC | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | DOMINION NATIONAL | $15K | — | $15K | 9.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | DOMINION NATIONAL | $7K | — | $7K | 5.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $11K | 9.38% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $938 | $3K | 2.51% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING LLC | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $11K | 9.53% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $895 | $3K | 2.41% |
| STACI J O'BRIEN3 | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $6K | $400 | $6K | 6.06% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AFLAC | $5K | — | $5K | 5.09% |
| STACI J O'BRIEN3 Filed as: STACI OBRIEN | 116 N BELLEVUE AVE STE 202 LANGHORNE, PA 19047 | AFLAC | $3K | $281 | $3K | 3.26% |
| DENNIS P HASTINGS3 | 5 TARLINI WAY LANGHORNE, PA 19047 | AFLAC | $3K | $136 | $3K | 2.94% |
| MARY KAYE WASHO3 Filed as: MARY KATE WASHO | 106 CEDAR BLUFF CT STE 315 ALEDO, TX 76008 | AFLAC | $3K | $171 | $3K | 2.80% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW T OHANLAN | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $2K | $100 | $2K | 2.36% |
| MATTHEW T OHANLON3 | 100 W ELM ST STE 101 CONSHOHOCKEN, PA 19428 | AFLAC | $1K | $70 | $1K | 1.24% |
| STEPHANIE A CANFIELD3 | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $912 | $34 | $946 | 0.92% |
| KARI M LAZARO3 | 73 CYPRESS PL NEWTOWN, PA 18940 | AFLAC | $619 | — | $619 | 0.60% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $536 | — | $536 | 0.52% |
| RONALD J LORCH3 | 333 SUNSET AVE APT 309 PALM BEACH, FL 33480 | AFLAC | $410 | — | $410 | 0.40% |
| VIRGINIA A SCHENK3 | 729 WINCHESTER RD BROOMALL, PA 19008 | AFLAC | $84 | — | $84 | 0.08% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILAELPHIA, PA 19125 | AFLAC | $76 | — | $76 | 0.07% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $68 | — | $68 | 0.07% |
| GAYLE L BAKER-GAYDOS3 Filed as: GAYLE L BAKER-GAYDOES | 100 MARTHAS WAY WEST GROVE, PA 19390 | AFLAC | $55 | — | $55 | 0.05% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK CT VINELAND, NJ 08361 | AFLAC | $33 | — | $33 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $28 | — | $28 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $26 | — | $26 | 0.03% |
| DOROTHY M PARRA3 | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $25 | — | $25 | 0.02% |
| DARLENE S DILLON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $23 | — | $23 | 0.02% |
| RITA M HERINGTON3 | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $21 | — | $21 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST 3 PHILADELPHIA, PA 19106 | AFLAC | $20 | — | $20 | 0.02% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $19 | — | $19 | 0.02% |
| JOHN H DILLON3 | 69 E END AVE CARNEYS POINT, NJ 08069 | AFLAC | $19 | — | $19 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $17 | — | $17 | 0.02% |
| DAVID N DIKEN3 | 100 HELEN ST FANWOOD, NJ 07023 | AFLAC | $16 | — | $16 | 0.02% |
| STEPHEN S SCHENK3 | 729 WINCHESTER RD BROOMALL, PA 19008 | AFLAC | $15 | — | $15 | 0.01% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $14 | — | $14 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $13 | — | $13 | 0.01% |
| DOREEN J KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $10 | — | $10 | 0.01% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $9 | — | $9 | 0.01% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $9 | — | $9 | 0.01% |
| LARIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $8 | — | $8 | 0.01% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 107 W CENTENNIAL DR MEDFORD, NJ 08055 | AFLAC | $5 | — | $5 | 0.00% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $4 | — | $4 | 0.00% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | — | $3 | 0.00% |
| SIGNE SPRAGINS3 | 1527 ROOSEVELT DR SHARON HILL, PA 19079 | AFLAC | $3 | — | $3 | 0.00% |
| GINA MARIE LOVERDI3 | 736 PRIMOS AVE PRIMOS, PA 19018 | AFLAC | $3 | — | $3 | 0.00% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.00% |
| NANCY L CREW3 | 106 WOODLYN AVE APT 3 GLENSIDE, PA 19038 | AFLAC | $1 | — | $1 | 0.00% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR SUITE 212 TEMPE, AZ 85282 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $1 | — | $1 | 0.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $979 | $8K | 9.73% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $595 | $2K | 2.30% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING LLC | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $368 | $3K | 9.55% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $507 | $253 | $760 | 2.46% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AFLAC | $1K | — | $1K | 6.01% |
| BETH LOVELLE3 | 1427 RISING SUN AVENUE LANGHORNE, PA 19047 | AFLAC | $874 | $24 | $898 | 3.74% |
| MATTHEW T OHANLON3 | 101 W ELM STREET SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $521 | $95 | $616 | 2.56% |
| RONALD J LORCH3 Filed as: RONALD LORCH | 333 SUNSET AVENUE APT 309 PALM BEACH, FL 33480 | AFLAC | $509 | — | $509 | 2.12% |
| MARY KAYE WASHO3 Filed as: MARY KAY WASHO | 106 CEDAR BLUFF CT SUITE 315 ALEDO, TX 76008 | AFLAC | $342 | — | $342 | 1.42% |
| STEPHANIE A CANFIELD3 | 200 W ELM STREET SUITE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $176 | $39 | $215 | 0.89% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVENUE LANGHORNE, PA 19047 | AFLAC | $158 | — | $158 | 0.66% |
| GAYLE L BAKER-GAYDOS3 Filed as: GAYLE L AKER-GAYDOS | 100 MARTHAS WAY WEST GROVE, PA 19390 | AFLAC | $142 | — | $142 | 0.59% |
| CHANTE N JENNINGS3 | 100 W ELM STREET SUTE 101 CONSHOHOCKEN, PA 18428 | AFLAC | $43 | $69 | $112 | 0.47% |
| STACI J O'BRIEN3 Filed as: STACI J OBRIEN | 116 N BELLEVUE AVENUE SUITE 202 LANGHORNE, PA 19047 | AFLAC | $37 | $51 | $88 | 0.37% |
| GEORGE J CERCEO3 | 4108 MILLTOWN TRL DOWNINGTOWN, PA 19335 | AFLAC | $61 | — | $61 | 0.25% |
| ESCEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $51 | — | $51 | 0.21% |
| STACI J O'BRIEN3 Filed as: STACI J OBRIEN | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $47 | — | $47 | 0.20% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $45 | — | $45 | 0.19% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $38 | — | $38 | 0.16% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $35 | — | $35 | 0.15% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $31 | — | $31 | 0.13% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $27 | — | $27 | 0.11% |
| DARLENE S DILLON3 | 293 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $24 | — | $24 | 0.10% |
| JOHN H DILLON3 | 69 E END AVE CARNEYS POINT, NJ 08069 | AFLAC | $22 | — | $22 | 0.09% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $21 | — | $21 | 0.09% |
| CAROLYN E MORRISON3 | 293 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $20 | — | $20 | 0.08% |
| DENNIS P HASTINGS3 | 5 TARLINI WAY LANGHORNE, PA 19047 | AFLAC | $7 | $2 | $9 | 0.04% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $8 | — | $8 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $7 | — | $7 | 0.03% |
| TIMOTHY J GOULET3 | 7774 NAVARRE PKWY APT 1209 NAVARRE, FL 32566 | AFLAC | $5 | — | $5 | 0.02% |
| RYAN GOLDBERG3 | 103 CHURCH STREET 3 PHILADELPHIA, PA 19106 | AFLAC | $4 | — | $4 | 0.02% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $4 | — | $4 | 0.02% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $3 | — | $3 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $3 | — | $3 | 0.01% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $2 | — | $2 | 0.01% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING LLC | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 15.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AFLAC | $956 | — | $956 | 6.71% |
| MATTHEW T OHANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $325 | — | $325 | 2.28% |
| STEPHANIE A CANFIELD3 | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $289 | $18 | $307 | 2.16% |
| BRIAN FERRIS KELLY3 | 838 GETTYSBURG DR LANSDALE, PA 19446 | AFLAC | $222 | $74 | $296 | 2.08% |
| MATTHEW T OHANLON3 | 100 W ELM ST STE 101 CONSHOHOCKEN, PA 19428 | AFLAC | $178 | $37 | $215 | 1.51% |
| AJA GRAFFA3 | 121 WEST LN HAMMONTON, NJ 08037 | AFLAC | $152 | — | $152 | 1.07% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $93 | — | $93 | 0.65% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY J ROGERS | PO BOX 781 GLENSIDE, PA 19038 | AFLAC | $21 | — | $21 | 0.15% |
| MATTHEW HALL3 | 4806 MEAD DR DOYLESTOWN, PA 18902 | AFLAC | $3 | — | $3 | 0.02% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AFLAC | $900 | — | $900 | 10.19% |
| MATTHEW T OHANLON3 | 100 W ELM STREET SUITE 101 CONSHOHOCKEN, PA 19428 | AFLAC | $447 | — | $447 | 5.06% |
| MATTHEW T OHANLON3 | 101 W ELM STREET SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $225 | $25 | $250 | 2.83% |
| STEPHANIE A CANFIELD3 | 200W ELM ST SUITE 1225 CONSHOHOCKEN, PA 18428 | AFLAC | $209 | $13 | $222 | 2.51% |
| FRED R BOHRMAN3 | 2732 ELYSIA LN AUDUBON, PA 19403 | AFLAC | $202 | — | $202 | 2.29% |
| BRIAN FERRIS KELLY3 | 838 GETTYSBURG DR LANSDALE, PA 19446 | AFLAC | $157 | — | $157 | 1.78% |
| AJA GRAFFA3 | 121 WEST LN HAMMONTON, NJ 08037 | AFLAC | $146 | — | $146 | 1.65% |
| DAVID ROBERT ZAGORSKI3 | 2812 BRIDGE ST PHILADELPHIA, PA 19137 | AFLAC | $48 | $56 | $104 | 1.18% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $85 | — | $85 | 0.96% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $42 | — | $42 | 0.48% |
| STACI J O'BRIEN3 Filed as: STACI J OBRIEN | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $20 | — | $20 | 0.23% |
| MARY KAYE WASHO3 | 106 CEDAR BLUFF CT STE 315 ALEDO, TX 76008 | AFLAC | $5 | — | $5 | 0.06% |
| KARI M LAZARO3 | 73 CYPRESS PL NEWTOWN, PA 18940 | AFLAC | $2 | — | $2 | 0.02% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AFLAC | $2K | — | $2K | — |
| MATTHEW T O'HANLON3 Filed as: MATTHEW OHANLON | 101 W ELM STREET SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $885 | $111 | $996 | — |
| STEPHANIE A CANFIELD3 Filed as: STEPHANIE CANFIELD | 200 W ELM STREET SUITE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $657 | $113 | $770 | — |
| BRIAN FERRIS KELLY3 | 838 GETTYSBURG DRIVE LANSDALE, PA 19446 | AFLAC | $622 | $112 | $734 | — |
| AJA GRAFFA3 | 121 WEST LANE HAMMONTON, NJ 08037 | AFLAC | $221 | — | $221 | — |
| SHAYNE L BRANDENBURG3 | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $141 | — | $141 | — |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $64 | — | $64 | — |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $59 | — | $59 | — |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $46 | — | $46 | — |
| FRED R BOHRMAN3 Filed as: FRED BOHRMAN | 2732 ELYSIA LANE AUDUBON, PA 19403 | AFLAC | $28 | — | $28 | — |
| RYAN K GOLDBERG3 | 103 CHURCH STREET 3 PHILADELPHIA, PA 19106 | AFLAC | $3 | — | $3 | — |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $2 | — | $2 | — |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | — |
| KARI M LAZARO3 | 73 CYPRESS PL NEWTOWN, PA 18940 | AFLAC | $2 | — | $2 | — |
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 | 613 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 319 | $148K |
| Vision | VISION BENEFITS OF AMERICA | 274 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 613 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 581 | $112K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $112K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE COMPANY | 313 | $228K |
| Other(5 contracts) | AFLAC | 129 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.