| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 212 MAIN ST RIDGWAY, PA 15853 | HIGHMARK DELAWARE | $43K | — | $43K | 2.91% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS, | 212 MAIN STREET RIDGWAY, PA 15853 | DELTA DENTAL OF PA | $1K | — | $1K | 1.61% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY FINANCIAL CO INC. | 100 MEADOW LN #1 DUBOIS, PA 15801 | LINCOLN NATIONAL LIFE INSURANCE CO INC | $6K | — | $6K | 15.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LN #1 DUBOIS, PA 15801 | LINCOLN NATIONAL LIFE INSURANCE CO INC | $5K | — | $5K | 15.00% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON&KIME EMPLOYEE BENEFITS INC | 212 MAIN STREET RIDGWAY, PA 15853 | VISION BENEFITS OF AMERICA | $579 | — | $579 | 2.99% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY FINANCIAL CO., INC. | 100 MEADOW LN #1 DUBOIS, PA 15801 | LINCOLN NATIONAL LIFE INS CO | $2K | — | $2K | 15.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 280 | $1.5M |
| Dental | DELTA DENTAL OF PA | 323 | $66K |
| Vision | VISION BENEFITS OF AMERICA | 126 | $19K |
| Life insurance | LINCOLN NATIONAL LIFE INS CO | 128 | $13K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO INC | 103 | $33K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO INC | 128 | $41K |
| Other | LINCOLN NATIONAL LIFE INS CO | 128 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.