| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN G SCHULTZ3 | 231 S 3RD ST CATAWISSA, PA 17820 | AFLAC | $3K | $3K | $6K | 15.47% |
| KILMER LIFE AGENCY INC3 Filed as: KILMER INSURANCE AGENCY INC | PO BOX 337 WYALUSING, PA 18853 | AFLAC | $3K | $0 | $3K | 7.06% |
| JEFFREY CHUBB3 Filed as: JEFFREY CHARLES CHUBB | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $1K | $25 | $1K | 3.71% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $686 | $25 | $711 | 1.81% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $188 | $0 | $188 | 0.48% |
| DANIEL CERO3 | 1936 MOUNT VIEW AVE MONTOURSVILLE, PA 17754 | AFLAC | $159 | $0 | $159 | 0.40% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS AND FIN SVCS LLC | PO BOX 327 T/A GANNON ASSOCIATES TOWANDA, PA 18848 | AFLAC | $75 | $0 | $75 | 0.19% |
| BARBARA A KENNEDY3 | 122 E WATER ST MUNCY, PA 17756 | AFLAC | $18 | $0 | $18 | 0.05% |
| CUMMINGS INSURANCE AGENCY3 Filed as: CUMMINGS INSURANCE AGENCY INC. | 1301 MADISON AVE DUNMORE, PA 18503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $890 | $3K | 8.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY, W VEVA 16 STE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.90% |
| MAZZMAR LLC3 | 1767 SENTRY PARKWAY W STE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.03% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PARKWAY WEST, SUITE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.02% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS. & BENEFITS GRP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $706 | $2K | 21.28% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $604 | $151 | $755 | 9.41% |
| SCHULTZ STEPHEN GERARD3 | 231 SOUTH THIRD STREET CATAWISSA, PA 17820 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 27.99% |
| IDEAL BENEFITS GROUP3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | $0 | $75 | 1.79% |
| LABOW MAIA3 Filed as: LABOW HOWARD B | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
| CUMMINGS INSURANCE AGENCY EIN 23-2732076 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | -$67 |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 50 | $31K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 50 | $31K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $12K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 0 | $94K |
| Other(3 contracts, 3 carriers) | AFLAC | 75 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.