| 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 | $44K | — | $44K | 10.00% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BENEF | PO BOX 507 212 MAIN STREET RIDGWAY, PA 15853 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.62% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BENEF | PO BOX 507 212 MAIN STREET RIDGWAY, PA 15853 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 13.96% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 | — | HIGHMARK INC. | $1K | — | $1K | 3.01% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BENEF | PO BOX 507 212 MAIN STREET RIDGWAY, PA 15853 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.44% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BENEF | PO BOX 507 212 MAIN STREET RIDGWAY, PA 15853 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 22.58% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK INC. | 300 | $38K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $255K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $143K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 303 | $438K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.