| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 2RI12 MAIN STREET PO BOX 507 RIDGWAY, PA 15853 | UPMC HEALTH PLAN | $48K | — | $48K | 3.02% |
| CEDRIC L MCSWEEN JR3 | 671 EAST BIG BEAVER ROAD SUITE 203 TROY, MI 48083 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.78% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-MICHIGAN | 26877 NORTHWESTERN HIGHWAY SUITE 120 SOUTHFIELD, MI 48033 | UNITEDHEALTHCARE INSURANCE COMPANY | $847 | — | $847 | 0.85% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.49% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.49% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 344 MAIN STREET PO BOX 507 RIDGWAY, PA 15853 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.41% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INS INSURANCE URANCE COMPANY | $3K | — | $3K | 12.58% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.91% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 212 MAIN STREET RIDGWAY, PA 15853 | HIGHMARK, INC. | $416 | — | $416 | 3.05% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY AND ASSOCIATES | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | AMERITAS LIFE INSURANCE COMPANY | $551 | — | $551 | 4.78% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $377 | — | $377 | 11.01% |
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 | 145 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH PLAN | 104 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 72 | $35K |
| Vision | HIGHMARK, INC. | 75 | $14K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $34K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $115K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INS INSURANCE URANCE COMPANY | 166 | $45K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.