| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY DUNN INC3 | 317 MAIN STREET TOWANDA, PA 18848 | HIGHMARK INC. | $59K | — | $59K | 3.47% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 100 MEADOW LANE DUBOIS, PA 15801 | HIGHMARK INC. | $0 | — | $0 | 0.00% |
| HENRY DUNN INC3 | 317 MAIN ST TOWANDA, PA 188481805 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 15.51% |
| HENRY DUNN INC3 | 317 MAIN ST TOWANDA, PA 188481805 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 10.00% |
| DUNN FINANCIAL INC3 Filed as: DUNN FINANCIAL, INC. | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.58% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 380 E MAIN ST LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.72% |
| GRENINGER JR3 | 1484 GERMAN ROAD LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $830 | — | $830 | 3.78% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES LLC | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $800 | — | $800 | 3.64% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | — | $157 | 0.72% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 240 | $1.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 224 | $58K |
| Vision | HIGHMARK INC. | 240 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $111K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $89K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $89K |
| Prescription drug | HIGHMARK INC. | 240 | $1.7M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.