| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON & KIME EMPLOYEE BENEFITS I3 | — | HIGHMARK INC. | $29K | — | $29K | 3.89% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | — | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 9.93% |
| CHARLENE M KOSKO3 Filed as: CHARLENE M GEORGEK | 574 TREASURE LAKE DU BOIS, PA 15801 | AFLAC | $3K | $399 | $4K | 9.11% |
| BENJAMIN T AARON3 | 301 LIBERTY STREET CLARION, PA 16214 | AFLAC | $3K | $267 | $3K | 6.87% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $2K | $185 | $2K | 4.76% |
| KAREN S NOSKER3 | 1037 BELL RUN ROAD REYNOLDSVILLE, PA 15851 | AFLAC | $1K | $187 | $1K | 3.33% |
| SHARI LEARISH3 | 524 EAST 11TH STREET CLEARFIELD, PA 16830 | AFLAC | $225 | $39 | $264 | 0.62% |
| BILLY M CRAIN3 | 1026 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $169 | — | $169 | 0.40% |
| MARTHA G ALLEN3 | 412 WASHINGTON STREET NEW BETHLEHEM, PA 16242 | AFLAC | $57 | — | $57 | 0.13% |
| CAROL L CROSSLEY3 | 4603 ROUTE 210 HIGHWAY SMICKSBURG, PA 16256 | AFLAC | $40 | $12 | $52 | 0.12% |
| MICHAEL H FLEMING3 | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $45 | — | $45 | 0.11% |
| JOHN F ADAMSKY3 | PO BOX 6164 NEW PHILADELPHIA, OH 44663 | AFLAC | $42 | — | $42 | 0.10% |
| KAREN L MICHELITSCH3 | 4020 ROUTE 28 NORTH BROOKVILLE, PA 15825 | AFLAC | $38 | — | $38 | 0.09% |
| DEANNA BROOKS3 | PO BOX 18 232 BOONE MOUNTAIN ROAD DAGUS MINES, PA 15831 | AFLAC | $31 | — | $31 | 0.07% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $25 | — | $25 | 0.06% |
| KEITH J HARBISON3 | 2069 JOHNS HILL ROAD BROOKVILLE, PA 15825 | AFLAC | $25 | — | $25 | 0.06% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $10 | — | $10 | 0.02% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $10 | — | $10 | 0.02% |
| ROBERT E SHREVE3 | 2316 MIDLAND DRIVE ERIE, PA 16505 | AFLAC | $8 | — | $8 | 0.02% |
| 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 | $2K | — | $2K | 14.74% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 105 | $749K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 106 | $60K |
| Vision | HIGHMARK INC. | 105 | $749K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 193 | $11K |
| Prescription drug | HIGHMARK INC. | 105 | $749K |
| Other(2 contracts, 2 carriers) | AFLAC | 193 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.