| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 189763652 | AMERITAS LIFE INSURANCE CORP. | $11K | — | $11K | 9.35% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 5.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING LLC | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 190461012 | AMERITAS LIFE INSURANCE CORP. | $739 | — | $739 | 0.65% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $8K | $14K | 22.73% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $12K | 22.58% |
| STACI J O'BRIEN3 | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $1K | $185 | $1K | 2.91% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | AFLAC | $1K | — | $1K | 2.39% |
| MATTHEW T OHANLON3 | 101 E ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $835 | $68 | $903 | 2.05% |
| DENNIS P HASTINGS3 | 5 TARLINI WAY LANGHORNE, PA 19047 | AFLAC | $618 | $165 | $783 | 1.77% |
| MARY KAYE WASHO3 | 24956 WOLF BAY TER STE 315 ORANGE BEACH, AL 36561 | AFLAC | $261 | $20 | $281 | 0.64% |
| RONALD J LORCH3 | 333 SUNSET AVE APT 309 PALM BEACH, FL 33480 | AFLAC | $280 | — | $280 | 0.63% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $210 | — | $210 | 0.48% |
| STEPHANIE A CANFIELD3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $189 | $10 | $199 | 0.45% |
| FRED R BOHRMAN3 | 2732 ELYSIA LN AUDUBON, PA 19403 | AFLAC | $52 | $28 | $80 | 0.18% |
| KARI M LAZARO3 | 73 CYPRESS PL NEWTOWN, PA 18940 | AFLAC | $59 | — | $59 | 0.13% |
| GAYLE L BAKER-GAYDOS3 | 100 MARTHAS WAY WEST GROVE, PA 19390 | AFLAC | $54 | — | $54 | 0.12% |
| VIRGINIA A SCHENK3 | 729 WINCHESTER RD BROOMALL, PA 19008 | AFLAC | $53 | — | $53 | 0.12% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $33 | — | $33 | 0.07% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $27 | — | $27 | 0.06% |
| JOHN H DILLON3 | 69 E END AVE CARNEYS POINT, NJ 08069 | AFLAC | $24 | — | $24 | 0.05% |
| DAVID N DIKEN3 | 100 HELEN ST FANWOOD, NJ 07023 | AFLAC | $19 | — | $19 | 0.04% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHLADELPHIA, PA 19125 | AFLAC | $17 | — | $17 | 0.04% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK CT VINELAND, NJ 08361 | AFLAC | $15 | — | $15 | 0.03% |
| STEPHEN S SCHENK3 | 729 WINCHESTER RD BROOMALL, PA 19008 | AFLAC | $15 | — | $15 | 0.03% |
| DARLENE S DILLON3 | 120 WOODSIDE RD LEXINGTON, SC 29072 | AFLAC | $15 | — | $15 | 0.03% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $14 | — | $14 | 0.03% |
| DOREEN J KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $13 | — | $13 | 0.03% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $11 | — | $11 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $9 | — | $9 | 0.02% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $9 | — | $9 | 0.02% |
| DARLENE S DILLON3 | 55 E END AVE CARNEYS POINT, NJ 08069 | AFLAC | $8 | — | $8 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $5 | — | $5 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $5 | — | $5 | 0.01% |
| RITA M HERINGTON3 | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $4 | — | $4 | 0.01% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.01% |
| GINA MARIE LOVERDI3 | 736 PRIMOS AVE PRIMOS, PA 19018 | AFLAC | $3 | — | $3 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | — | $3 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $3 | — | $3 | 0.01% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 343 CORAL REEF WAY HARDEEVILLE, SC 29927 | AFLAC | $2 | — | $2 | 0.00% |
| NANCY L CREW3 | 106 WOODLYN AVE APT 3 GLENSIDE, PA 19038 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $0 | — | $0 | 0.00% |
| GIULIO A PADOVANI3 | 9 QUAIL CR BASKING RIDGE, NJ 07920 | AFLAC | $0 | — | $0 | 0.00% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $0 | — | $0 | 0.00% |
| CARSON C PURIEFOY JR3 | PO BOX 301 WENOHAH, NJ 08090 | AFLAC | $0 | — | $0 | 0.00% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $6K | $10K | 22.93% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | WESTPORT INSURANCE CORPORATION | $3K | — | $3K | 10.00% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 22.77% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC. | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 15.00% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | AFLAC | $500 | — | $500 | 4.46% |
| MATTHEW T OHANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $309 | $53 | $362 | 3.23% |
| CHRISTOPHER L CONNOR3 | 1300 FAYETTE ST APT 116 CONSHOHOCKEN, PA 19428 | AFLAC | $83 | $60 | $143 | 1.28% |
| STEPHANIE A CANFIELD3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $103 | $20 | $123 | 1.10% |
| RONALD J LORCH3 | 333 SUNSET AVE APT 309 PALM BEACH, FL 33480 | AFLAC | $89 | — | $89 | 0.79% |
| MARY KAYE WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $84 | — | $84 | 0.75% |
| STACI J O'BRIEN3 | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $69 | — | $69 | 0.62% |
| JOHN M WASHO3 | 249 WOLF BAY TER ORANGE BEACH, FL 36561 | AFLAC | $31 | — | $31 | 0.28% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $30 | — | $30 | 0.27% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $24 | — | $24 | 0.21% |
| CHRISTOPHER L CONNOR3 | 434 PRINCE FREDERICK ST KING OF PRUSSIA, PA 19406 | AFLAC | $22 | — | $22 | 0.20% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $22 | — | $22 | 0.20% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $18 | — | $18 | 0.16% |
| ANTHONY M MAZZA3 | 1602 BRIARWOOD CT PHOENIXVILLE, PA 19460 | AFLAC | $10 | $7 | $17 | 0.15% |
| BETH LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $12 | — | $12 | 0.11% |
| CHANTE N JENNINGS3 | 100 W ELM ST STE 101 CONSHOHOCKEN, PA 19428 | AFLAC | $6 | — | $6 | 0.05% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $5 | — | $5 | 0.04% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $3 | — | $3 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $2 | — | $2 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.01% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $0 | — | $0 | 0.00% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | AFLAC | $390 | — | $390 | 4.19% |
| MATTHEW T OHANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $297 | $46 | $343 | 3.69% |
| DENNIS P HASTINGS3 | 5 TARLINI WAY LANGHORNE, PA 19047 | AFLAC | $191 | — | $191 | 2.05% |
| STEPHANIE A CANFIELD3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $135 | $15 | $150 | 1.61% |
| AJA GRAFFA3 | 120 MADISON AVE S HAMMONTON, NJ 08037 | AFLAC | $69 | $46 | $115 | 1.24% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $61 | — | $61 | 0.66% |
| CORBIN W FORBES3 | 340 VASSAR AVE APT 2 SWARTHMORE, PA 19081 | AFLAC | $44 | — | $44 | 0.47% |
| BRIAN FERRIS KELLY3 | 838 GETTYSBURG DR LANSDALE, PA 19446 | AFLAC | $17 | — | $17 | 0.18% |
| CANDICE LEE STEVASON3 | 5519 OLD EASTON RD STE A DOYLESTOWN, PA 18902 | AFLAC | $3 | — | $3 | 0.03% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $3 | — | $3 | 0.03% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | AFLAC | $449 | — | $449 | 5.18% |
| MATTHEW T OHANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $212 | $13 | $225 | 2.60% |
| FRED R BOHRMAN3 | 2732 ELYSIA LN AUDUBON, PA 19403 | AFLAC | $84 | $63 | $147 | 1.70% |
| STEPHANIE A CANFIELD3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $120 | $13 | $133 | 1.53% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $48 | — | $48 | 0.55% |
| BRIAN FERRIS KELLY3 | 838 GETTYSBURG DR LANSDALE, PA 19446 | AFLAC | $22 | — | $22 | 0.25% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY J ROGERS | 513 W GLENSIDE AVE GLENSIDE, PA 19038 | AFLAC | $21 | — | $21 | 0.24% |
| AJA GRAFFA3 | 120 MADISON AVE S HAMMONTON, NJ 08037 | AFLAC | $16 | — | $16 | 0.18% |
| DENNIS P HASTINGS3 | 5 TARLINI WAY LANGHORNE, PA 19047 | AFLAC | $13 | — | $13 | 0.15% |
| STACI J O'BRIEN3 | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $8 | — | $8 | 0.09% |
| MATTHEW HALL3 | 3259 BUSHWOOD DR PERKASIE, PA 18944 | AFLAC | $5 | — | $5 | 0.06% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | AFLAC | $214 | — | $214 | 3.47% |
| MATTHEW T OHANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $120 | $26 | $146 | 2.37% |
| SHAYNE L BRANDENBURG3 | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $95 | — | $95 | 1.54% |
| STEPHANIE A CANFIELD3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $70 | $9 | $79 | 1.28% |
| AJA GRAFFA3 | 120 MADISON AVE S HAMMONTON, NJ 08037 | AFLAC | $49 | $26 | $75 | 1.22% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $22 | — | $22 | 0.36% |
| STACI J O'BRIEN3 | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $17 | — | $17 | 0.28% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $13 | — | $13 | 0.21% |
| MATTHEW G BERGER3 | 22 SUNNYRIDE RD PHILADELPHIA, PA 19125 | AFLAC | $6 | — | $6 | 0.10% |
| DENNIS P HASTINGS3 | 5 TARLINI WAY LANGHORNE, PA 19047 | AFLAC | $6 | — | $6 | 0.10% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $5 | — | $5 | 0.08% |
| BRIAN FERRIS KELLY3 | 838 GETTYSBURG DR LANDSDALE, PA 19446 | AFLAC | $4 | — | $4 | 0.06% |
| MARY KAYE WASHO3 Filed as: MARY KAY WASHO | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $4 | — | $4 | 0.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY J ROGERS | 513 W GLENSIDE AVE GLENSIDE, PA 19038 | AFLAC | $3 | — | $3 | 0.05% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.02% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS, INC. | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | AFLAC | $97 | — | $97 | 8.00% |
| MATTHEW T OHANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $49 | $23 | $72 | 5.94% |
| AJA GRAFFA3 | 120 MADISON AVE S HAMMONTON, NJ 08037 | AFLAC | $31 | $23 | $54 | 4.45% |
| STEPHANIE A CANFIELD3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $16 | $8 | $24 | 1.98% |
| DENNIS P HASTINGS3 | 5 TARLINI WAY LANGHORNE, PA 19047 | AFLAC | $15 | — | $15 | 1.24% |
| STACI J O'BRIEN3 | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $9 | — | $9 | 0.74% |
| FRED R BOHRMAN3 | 2732 ELYSIA LN AUDUBON, PA 19403 | AFLAC | $0 | — | $0 | 0.00% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $0 | — | $0 | 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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 459 | $114K |
| Vision | VISION BENEFITS OF AMERICA | 183 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $54K |
| Other(9 contracts, 3 carriers) | AFLAC | 310 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.