| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON & KIME EMPLOYEE BENEFITS I3 | — | HIGHMARK INC. | $52K | — | $52K | 3.06% |
| CEDRIC L MCSWEEN JR3 | 42106 GLADWIN STREET NORTHVILLE, MI 48167 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.53% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - MICHIGAN | 2340 SOUTH RIVER ROAD SUITE 16G DES PLAINES, IL 60018 | UNITEDHEALTHCARE INSURANCE COMPANY | $605 | — | $605 | 0.73% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.39% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON KIME EMPLOYEE BENEFITS | PO BOX 507 RIDGWAY, PA 15853 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.48% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.86% |
| JAMES CALISTRI3 Filed as: JAMES D CURTIS | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | AMERITAS LIFE INSURANCE COMPANY | $838 | — | $838 | 3.09% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $574 | — | $574 | 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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 138 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $52K |
| Vision | HIGHMARK INC. | 138 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE COMPANY | 120 | $32K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $73K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $41K |
| Prescription drug | HIGHMARK INC. | 138 | $1.7M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.