| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES | — | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 10.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOC INC | 908 BEAVER DRIVE DU BOIS, PA 15801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.54% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 WEST WAYNE AVENUE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOC INC | 908 BEAVER DRIVE DE BOIS, PA 15801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 WEST WAYNE AVENUE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES, INC. | 908 BEAVER DRIVE DUBOIS, PA 15801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 15.00% |
| MGIS3 | 95 STATE STREET SUITE 650 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.78% |
| SWIFT-KENNEDY & ASSOCIATED INC3 | 403 SOUTH ALLEN STREET SUITE 204 STATE COLLEGE, PA 16801 | VISION BENEFITS OF AMERICA | $982 | — | $982 | 5.19% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY AND ASSOC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $759 | — | $759 | 10.01% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 77 | $73K |
| Vision | VISION BENEFITS OF AMERICA | 76 | $19K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $53K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.