| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES | 908 BEAVER DR DUBOIS, PA 15801 | UPMC HEALTH OPTIONS | $23K | — | $23K | 1.38% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES | 908 BEAVER DR DUBOIS, PA 15801 | DELTA DENTAL OF PENNSYLVANIA | $1K | $7K | $8K | 43.60% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES | 100 MEADOW LANE DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $816 | — | $816 | 7.24% |
| MATTHEW NERONE3 | 100 MEADOW LANE SUITE 2 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $434 | — | $434 | 3.85% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES | 100 MEADOW LANE DUBOIS, PA 15801 | VISION BENEFITS OF AMERICA | $493 | — | $493 | 5.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES | 100 MEADOW LANE DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $773 | — | $773 | 11.30% |
| MATTHEW NERONE3 | 100 DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $595 | — | $595 | 8.70% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES | 100 MEADOW LANE DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $313 | — | $313 | 9.89% |
| MATTHEW NERONE3 | 100 MEADOW LANE DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $162 | — | $162 | 5.12% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES | 100 MEADOW LANE DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $305 | — | $305 | 10.32% |
| MATTHEW NERONE3 | 100 MEADOW LANE DUBOIS, PA 15801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $138 | — | $138 | 4.67% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 73 | $1.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 111 | $19K |
| Vision | VISION BENEFITS OF AMERICA | 107 | $10K |
| Short-term disability(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $21K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.