| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY DUNN INC3 | 317 MAIN ST TOWANDA, PA 188481805 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 13.54% |
| R & B INSURANCE SERVICES LLC3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 10.02% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 100 MEADOW LANE DUBOIS, PA 15801 | HIGHMARK INC. | $374 | — | $374 | 3.01% |
| U R L INC3 | 5320 JAYCEE AVE HARRISBURG, PA 17112 | HIGHMARK INC. | $116 | — | $116 | 0.93% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 108 | $48K |
| Vision | HIGHMARK INC. | 203 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $86K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $86K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $86K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
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.