| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY AND ASSOC INC | 908 BEAVER DRIVE DUBOIS, PA 15801 | GEISINGER HEALTH PLAN | $30K | $30 | $30K | 2.51% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY AND ASSOC INC | 908 BEAVER DRIVE DUBOIS, PA 15801 | GUARDIAN LIFE INS. CO. OF AMERICA | $3K | — | $3K | 5.78% |
| KISH BANK3 Filed as: KISH BENEFITS CONSULTING | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | VISION BENEFITS OF AMERICA | $338 | — | $338 | 5.00% |
| KISH BANK3 | 25 GATEWAY DRIVE REEDSVILLE, PA 17084 | DEARBORN LIFE INSURANCE COMPANY | $663 | — | $663 | 10.00% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | 2500 ELMERTON AVE HARRISBURG, PA 171779811 | DEARBORN LIFE INSURANCE COMPANY | — | $331 | $331 | 4.99% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 102 | $1.2M |
| Dental | GUARDIAN LIFE INS. CO. OF AMERICA | 100 | $46K |
| Vision | VISION BENEFITS OF AMERICA | 62 | $7K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 110 | $7K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 110 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.