| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 212 MAIN STREET RIDGWAY, PA 15853 | HIGHMARK INC | $32K | — | $32K | 3.54% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 212 MAIN STREET RIDGEWAY, PA 15853 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 10.05% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $3K | $195 | $4K | 16.62% |
| KEITH J HARBISON3 | 2069 JOHNS HILL ROAD BROOKVILLE, PA 15825 | AFLAC | $933 | — | $933 | 4.28% |
| BILLY M CRAIN3 | 57 PICKERING STREET BROOKVILLE, PA 15825 | AFLAC | $629 | $42 | $671 | 3.08% |
| BARBARA A DETZ3 | 7 DEWBERRY COURT MECHANICSBURG, PA 17055 | AFLAC | $538 | — | $538 | 2.47% |
| KAREN L MICHELITSCH3 | 4020 ROUTE 28 NORTH BROOKVILLE, PA 15825 | AFLAC | $354 | $37 | $391 | 1.79% |
| HEATHER HAAG3 | 107 GEIST WAY BROOKVILLE, PA 15825 | AFLAC | $271 | — | $271 | 1.24% |
| JAMES G BRANDT3 | 3900 INDUSTRIAL PARK DRIVE ALTOONA, PA 16602 | AFLAC | $92 | — | $92 | 0.42% |
| MARTHA G ALLEN3 | 412 WASHINGTOM STREET NEW BETHLEHEM, PA 16242 | AFLAC | $88 | — | $88 | 0.40% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $66 | — | $66 | 0.30% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $50 | — | $50 | 0.23% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $47 | — | $47 | 0.22% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $37 | — | $37 | 0.17% |
| JOHN F ADAMSKY3 | P.O. BOX 6164 NEW PHILADELPHIA, OH 44663 | AFLAC | $26 | — | $26 | 0.12% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DRIVE CRANBERRY TWP, PA 16066 | AFLAC | $22 | — | $22 | 0.10% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $12 | — | $12 | 0.06% |
| ROBERT E SHREVE3 | 533 NEVADA DRIVE ERIE, PA 16505 | AFLAC | $5 | — | $5 | 0.02% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $4 | — | $4 | 0.02% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3 | — | $3 | 0.01% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $2 | — | $2 | 0.01% |
| JENNIFER STEPHENS3 | 3338 BUCKHORN ROAD KNOX, PA 16232 | AFLAC | $1 | — | $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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 116 | $891K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 107 | $62K |
| Vision | HIGHMARK INC | 116 | $891K |
| Prescription drug | HIGHMARK INC | 116 | $891K |
| Other | AFLAC | 25 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.