| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| URL INC3 | — | HIGHMARK INC | $13K | — | $13K | 10.03% |
| LOUIS BERTEOTTI3 | 21119 PAINT BLVD SHIPPENVILLE, PA 16254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.74% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE INC | 417 WALNUT ST HARRISBURG, PA 17110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.84% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 100 MEADOW LANE #1 DUBOIS, PA 15801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $543 | — | $543 | 2.17% |
| DAAM, LLC3 | 2 RESEARCH WAY PRINCETON, NJ 08540 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.22% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLI PITTSBURG, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.01% |
| LOUIS BERTEOTTI3 Filed as: LOUIS BERTOEOTTI | 21119 PAINT BLVD SHIPPENVILLE, PA 16254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.33% |
| INSURANCE COALITION3 Filed as: INSURANCE COALITION INC | 417 WALNUT ST HARRISBURG, PA 17107 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 13.95% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY ASSOCIATION INC | 100 MEADOW LN DUBOIS, PA 15801 | METROPOLITAN LIFE INSURANCE COMPANY | $116 | — | $116 | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $96K |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC | 225 | $128K |
| Vision | HIGHMARK INC | 225 | $128K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $41K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $16K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.