| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALISTRI, JAMES3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | HIGHMARK INC. | $10K | — | $10K | 10.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $5K | $7K | 12.54% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 908 BEAVER DRIVE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $648 | — | $648 | 1.11% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 908 BEAVER DRIVE DUBOIS, PA 15801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $85 | — | $85 | 0.25% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 908 BEAVER DRIVE DUBOIS, PA 15801 | NATIONAL VISION ADMINISTRATORS, LLC | $966 | — | $966 | 5.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 908 BEAVER DRIVE DUBOIS, PA 15801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.85% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 17.69% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 908 BEAVER DRIVE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $267 | — | $267 | 1.88% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC. | 145 | $100K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 144 | $19K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $49K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 67 | $17K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.