| 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 | $34K | — | $34K | 3.98% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 212 MAIN STREET RIDGEWAY, PA 15853 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 10.06% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $2K | $103 | $2K | 8.38% |
| DEANNA BROOKS3 | PO BOX 18 232 BOONE MOUNTAIN ROAD DAGUS MINES, PA 15831 | AFLAC | $632 | — | $632 | 3.01% |
| BARBARA A DETZ3 | 7 DEWBERRY COURT MECHANICSBURG, PA 17055 | AFLAC | $292 | $66 | $358 | 1.71% |
| KEITH J HARBISON3 | 2069 JOHNS HILL ROAD BROOKVILLE, PA 15825 | AFLAC | $199 | $22 | $221 | 1.05% |
| BILLY M CRAIN3 | 1026 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $209 | — | $209 | 1.00% |
| BILLY M CRAIN3 | 57 PICKERING STREET BROOKVILLE, PA 15825 | AFLAC | $182 | $25 | $207 | 0.99% |
| KAREN L MICHELITSCH3 | 4020 ROUTE 28 NORTH BROOKVILLE, PA 15825 | AFLAC | $97 | $10 | $107 | 0.51% |
| HEATHER HAAG3 | 107 GEIST WAY BROOKVILLE, PA 15825 | AFLAC | $101 | — | $101 | 0.48% |
| JAMES G BRANDT3 | 3900 INDUSTRIAL PARK DRIVE ALTOONA, PA 16602 | AFLAC | $82 | $13 | $95 | 0.45% |
| MARTHA G ALLEN3 | 412 WASHINGTOM STREET NEW BETHLEHEM, PA 16242 | AFLAC | $88 | — | $88 | 0.42% |
| MARTHA G ALLEN3 | 412 WASHINGTON STREET NEW BETHLEHEM, PA 16242 | AFLAC | $88 | — | $88 | 0.42% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE SUITE 11 ALTOONA, PA 16602 | AFLAC | $48 | $13 | $61 | 0.29% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $49 | — | $49 | 0.23% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $47 | — | $47 | 0.22% |
| JOHN F ADAMSKY3 | P O BOX 6164 NEW PHILADELPHIA, OH 44663 | AFLAC | $42 | — | $42 | 0.20% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DRIVE CRANBERRY TWP, PA 16066 | AFLAC | $22 | — | $22 | 0.10% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $15 | — | $15 | 0.07% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $15 | — | $15 | 0.07% |
| ROBERT E SHREVE3 | 533 NEVADA DRIVE ERIE, PA 16505 | AFLAC | $8 | — | $8 | 0.04% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $3 | — | $3 | 0.01% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 103 | $858K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 119 | $62K |
| Vision | HIGHMARK INC | 103 | $858K |
| Prescription drug | HIGHMARK INC | 103 | $858K |
| Other | AFLAC | 14 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.