| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2K | $33 | $2K | 8.06% |
| DANIEL C HARRIS3 Filed as: DANIEL C HARRIS AND OTHER AGENTS | 413 OAK RIDGE COURT MARS, PA 16046 | AFLAC | $2K | $77 | $2K | 7.35% |
| JAMES M REDMOND3 | 16 OLD POST ROAD EAST WALPOLE, MA 02032 | AFLAC | $1K | $0 | $1K | 4.38% |
| MICHAEL JOSEPH PEPIN3 | 31 BLOSSOM LANE DRACUT, MA 01826 | AFLAC | $276 | $0 | $276 | 0.98% |
| RHONDA A DRESNER3 | 100 MALL ROAD, SUITE 301 BURLINGTON, MA 01803 | AFLAC | $222 | $12 | $234 | 0.83% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW ROAD UNIONTOW, PA 15401 | AFLAC | $225 | $0 | $225 | 0.80% |
| BRAIN W PATTEN3 | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $224 | $0 | $224 | 0.79% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 18 | $28K |
| Short-term disability | AFLAC | 18 | $28K |
| Other | AFLAC | 18 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.