| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAN N HEIMBAUGH Filed as: JAN HEIMBAUGH | 1 SAND MOUNTAIN ROAD WEST DECATUR, PA 16878 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $70K | $0 | $70K | 4.00% |
| JAN N HEIMBAUGH3 | 120 OLD ROUTE 322 SPRING MILLS, PA 16875 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 4.58% |
| KENNETH LITWILLER3 | 418 S WHEATLAND DR GOSHEN, IN 46526 | AFLAC | $288 | — | $288 | — |
| JODY D MARSHALL3 Filed as: JODY MARSHALL | 514 BEAUMONT DR STATE COLLEGE, PA 16801 | AFLAC | $257 | — | $257 | — |
| RICK D GORDON3 | 111 S HIGHLAND ST DUBOIS, PA 15801 | AFLAC | — | $136 | $136 | — |
| BRIAN STRENKO3 | 469 MT HOPE RD SOUTH FORK, PA 15956 | AFLAC | $129 | — | $129 | — |
| BILLY M CRAIN3 Filed as: BILLY CRAIN | 1026 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $103 | — | $103 | — |
| JAN N HEIMBAUGH3 Filed as: JAN HEIMBAUGH | 120 OLD ROUTE 322 SPRING MILLS, PA 16875 | AFLAC | $100 | — | $100 | — |
| DENISE SNYDER3 | 1121 SEIBERT RD BELLEFONTE, PA 16823 | AFLAC | $95 | — | $95 | — |
| JOHN E HRIVNAK3 Filed as: JOHN HRIVNAK | 3900 INDUSTRIAL PARK DR SUITE 11 ALTOONA, PA 16602 | AFLAC | $94 | — | $94 | — |
| JENNIFER ROBIN HRIVNAK3 Filed as: JENNIFER HRIVNAK | 3900 INDUSTRIAL PARK DR SUITE 11 ALTOONA, PA 16602 | AFLAC | $61 | — | $61 | — |
| DANIEL J KUDRNA3 Filed as: DANIEL KUDRNA | 2808 CUMBERLAND DR APT 18 VALPARAISO, IN 46383 | AFLAC | — | $49 | $49 | — |
| NORTH EAST EMPIRE INC3 Filed as: NORTH EAST EMPIRE INC. | 8 W BROAD ST STE 720 HAZLETON, PA 18201 | AFLAC | $46 | — | $46 | — |
| BETH ROBBINS3 | 2162 N OAK LN STATE COLLEGE, PA 16803 | AFLAC | $42 | — | $42 | — |
| SHAYNE L BRANDENBURG3 Filed as: SHAYNE BRANDENBURG | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $39 | — | $39 | — |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $39 | — | $39 | — |
| LYDIA MCMURRAY3 | PO BOX 1172 LITTLE RIVER, SC 29566 | AFLAC | $36 | — | $36 | — |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARQUIRITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $33 | — | $33 | — |
| MICHAEL FLEMING3 | 11186 BROKERS LN IRWIN, PA 15642 | AFLAC | $26 | — | $26 | — |
| AMBER D MARSHALL3 Filed as: AMBER MARSHALL | 514 BEAUMONT DR STATE COLLEGE, PA 16801 | AFLAC | $25 | — | $25 | — |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $18 | — | $18 | — |
| ANDREW POWELL3 | 1 PERSIMMON DR BOILING SPRINGS, PA 17007 | AFLAC | $12 | — | $12 | — |
| TYE ELLIOT3 | 1300 N INDEPENDENCE ST GERMANTOWN HILLS, IL 61548 | AFLAC | $11 | — | $11 | — |
| SHARON R GRANT3 Filed as: SHARON GRANT | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $9 | — | $9 | — |
| JOY GRUBE PADGELEK3 Filed as: JOY PADGELEK | 1195 WASHINGTOWN PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $8 | — | $8 | — |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $5 | — | $5 | — |
| JAMES BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $3 | — | $3 | — |
| JOHN FRICK3 | 724 HIGH ST EXT DUNBAR, PA 15431 | AFLAC | $2 | — | $2 | — |
| FREDERICK L ROSE3 Filed as: FREDERICK ROSE | 3631 PUTTER POINT LN FORT MYERS, FL 33919 | AFLAC | $1 | — | $1 | — |
| KRISTIN J QUINLAN3 Filed as: KRISTIN QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $1 | — | $1 | — |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 167 | $69K |
| Long-term disability | AFLAC | 19 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.