| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | — | HIGHMARK INC | $22K | — | $22K | 3.90% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 212 MAIN STREET RIDGEWAY, PA 15853 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 9.95% |
| BENJAMIN T AARON3 | 301 LIBERTY STREET CLARION, PA 16214 | AFLAC | $3K | $21 | $3K | 11.39% |
| CHARLENE M KOSKO3 Filed as: CHARLENE M GEORGEK | 574 TREASURE LAKE DU BOIS, PA 15801 | AFLAC | $3K | $5 | $3K | 10.59% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $2K | $5 | $2K | 5.76% |
| KAREN S NOSKER3 | 1037 BELL RUN ROAD REYNOLDSVILLE, PA 15851 | AFLAC | $1K | — | $1K | 3.88% |
| JULIE ANN BYERLY3 | 42669 ROUTE 66 MARIENVILLE, PA 16239 | AFLAC | $744 | — | $744 | 2.52% |
| SHARI LEARISH3 | 524 11TH STREET CLEARFIELD, PA 16830 | AFLAC | $191 | — | $191 | 0.65% |
| CAROL L CROSSLEY3 | 4603 ROUTE 210 HIGHWAY SMICHSBURG, PA 16256 | AFLAC | $170 | $12 | $182 | 0.62% |
| BILLY M CRAIN3 | 1026 RHODES LANE BROOKSVILLE, PA 15825 | AFLAC | $158 | — | $158 | 0.54% |
| DEANNA BROOKS3 | PO BOX 18 32 BOONE MOUNTAIN ROAD DAGUS MINES, PA 15831 | AFLAC | $98 | — | $98 | 0.33% |
| NADIA S DEARY3 | 331 MCDOWELL ROAD KENNERDELL, PA 16374 | AFLAC | $42 | $13 | $55 | 0.19% |
| JOHN F ADAMSKY3 | PO BO 6164 NEW PHILADELPHIA, OH 44663 | AFLAC | $42 | — | $42 | 0.14% |
| KAREN L MICHELITSCH3 | 4020 ROUTE 28 NORTH BROOKVILLE, PA 15825 | AFLAC | $38 | — | $38 | 0.13% |
| KEITH J HARBISON3 | 2069 JOHNS HILL ROAD BROOKSVILLE, PA 15825 | AFLAC | $38 | — | $38 | 0.13% |
| MARTHA G ALLEN3 | 412 WAHSINGTON STREET NEW BETHLEHEM, PA 16242 | AFLAC | $29 | — | $29 | 0.10% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $28 | — | $28 | 0.09% |
| MICHAEL H FLEMING3 | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $23 | — | $23 | 0.08% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $9 | — | $9 | 0.03% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $9 | — | $9 | 0.03% |
| ROBERT E SHREVE3 | 2316 MIDLAND DRIVE ERIE, PA 16505 | AFLAC | $8 | — | $8 | 0.03% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $3 | — | $3 | 0.01% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS, | PO BOX 507 212 MAIN STREET RIDGEWAY, PA 15845 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 15.39% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 101 | $577K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 101 | $60K |
| Vision | HIGHMARK INC | 101 | $577K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 172 | $9K |
| Prescription drug | HIGHMARK INC | 101 | $577K |
| Other(2 contracts, 2 carriers) | AFLAC | 172 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.