| 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 | $25K | — | $25K | 4.71% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 212 MAIN STREET RIDGEWAY, PA 15853 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 9.97% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $828 | $11 | $839 | 6.84% |
| NADIA S DEARY3 | 331 MCDOWELL ROAD KENNERDELL, PA 16374 | AFLAC | $426 | — | $426 | 3.47% |
| CHARLENE M KOSKO3 Filed as: CHARLENE M GEORGEK | 574 TREASURE LAKE DU BOIS, PA 15801 | AFLAC | $346 | — | $346 | 2.82% |
| DEANNA BROOKS3 | PO BOX 18 232 BOONE MOUNTAIN ROAD DAGUS MINES, PA 15831 | AFLAC | $139 | $56 | $195 | 1.59% |
| BILLY M CRAIN3 | 1026 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $170 | $11 | $181 | 1.48% |
| STEPHANIE KAMMERDEINER3 | 3110 ROUTE 36 BROOKVILLE, PA 15825 | AFLAC | $68 | — | $68 | 0.55% |
| KAREN L MICHELITSCH3 | 4020 ROUTE 28 NORTH BROOKVILLE, PA 15825 | AFLAC | $39 | — | $39 | 0.32% |
| KEITH J HARBISON3 | 2069 JOHNS HILL ROAD BROOKVILLE, PA 15825 | AFLAC | $37 | — | $37 | 0.30% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $29 | — | $29 | 0.24% |
| JOHN F ADAMSKY3 | PO BOX 6164 NEW PHILADELPHIA, OH 44663 | AFLAC | $28 | — | $28 | 0.23% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $9 | — | $9 | 0.07% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $9 | — | $9 | 0.07% |
| ROBERT E SHREVE3 | 2316 MIDLAND DRIVE ERIE, PA 16505 | AFLAC | $6 | — | $6 | 0.05% |
| JOHN F ADAMSKY3 | P O BOX 6164 NEW PHILADELPHIA, OH 44663 | AFLAC | $4 | — | $4 | 0.03% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $2 | — | $2 | 0.02% |
| MARTHA G ALLEN3 | 412 WASHINGTOM STREET NEW BETHLEHEM, PA 16242 | AFLAC | $1 | — | $1 | 0.01% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $0 | — | $0 | 0.00% |
| RIFFE CONSULTING GROUP LLC3 | 219 TIMBER RIDGE CRANBERRY TWP, PA 16066 | 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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 103 | $540K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 105 | $61K |
| Vision | HIGHMARK INC | 103 | $540K |
| Prescription drug | HIGHMARK INC | 103 | $540K |
| Other | AFLAC | 10 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.