| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON & KIME EMPLOYEE BENEFITS I3 | 212 MAIN STREET PO BOX 507 RIDGWAY, PA 15853 | HM LIFE INSURANCE COMPANY | $45K | — | $45K | 10.00% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BENEF | PO BOX 507 344 MAIN STREET RIDGWAY, PA 15853 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.29% |
| ANDERSON & KIME EMPLOYEE BENEFITS I3 Filed as: ANDERSON & KIME EMPLOYEE BENEF | PO BOX 507 344 MAIN STREET RIDGWAY, PA 15853 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.00% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS, | 344 MAIN STREET RIDGWAY, PA 15853 | VISION BENEFITS OF AMERICA | $758 | — | $758 | 3.00% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS, | 344 MAIN STREET RIDGWAY, PA 15853 | VISION BENEFITS OF AMERICA | $326 | — | $326 | 3.00% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 305 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $233K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $121K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 296 | $451K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.