| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES, INC | — | UPMC HEALTH OPTIONS | $29K | — | $29K | 4.79% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES, INC. | — | UPMC HEALTH OPTIONS | $7K | — | $7K | 2.75% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY FINANCIAL CO. INC. | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | VISION BENEFITS OF AMERICA | $576 | — | $576 | 5.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES, INC. | — | UPMC HEALTH OPTIONS | $240 | — | $240 | 5.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCATES, INC. | — | UPMC HEALTH OPTIONS | $96 | — | $96 | 3.00% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 110 | $606K |
| Dental | UPMC HEALTH OPTIONS | 4 | $253K |
| Vision | VISION BENEFITS OF AMERICA | 136 | $12K |
| Life insurance(2 contracts) | UPMC HEALTH OPTIONS | 158 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.