| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BENEF | 212 MAIN STREET PO BOX 507 RIDGWAY, PA 15853 | HM LIFE INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| THOMAS M TEGLER3 | 1615 WEST CHESTER PIKE SUITE 104 WEST CHESTER, PA 19382 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.36% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BNFTS | 212 MAIN STREET RIDGWAY, PA 15853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107 | — | $107 | 0.12% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME INC | 212 MAIN STREET RIDGWAY, PA 15853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $106 | — | $106 | 0.12% |
| THOMAS M TEGLER3 | 1615 WEST CHESTER PIKE SUITE 104 WEST CHESTER, PA 19382 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 11.21% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BNFTS | 212 MAIN STREET RIDGWAY, PA 15853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.90% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME INC | 212 MAIN STREET RIDGWAY, PA 15853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | — | HIGHMARK INC. | $1K | — | $1K | 3.01% |
| THOMAS M TEGLER3 | 1615 WEST CHESTER PIKE SUITE 104 WEST CHESTER, PA 19382 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.88% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME INC | 212 MAIN STREET RIDGWAY, PA 15853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $211 | — | $211 | 0.66% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BNFTS | 212 MAIN STREET RIDGWAY, PA 15853 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $144 | — | $144 | 0.45% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK INC. | 320 | $39K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $87K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $87K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 328 | $400K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.