| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COOPER, LISA A3 | — | HIGHMARK INC | $12K | — | $12K | 1.75% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | — | HIGHMARK INC | $7K | — | $7K | 0.98% |
| ASTON SHARP INSURANCE SERVICES3 Filed as: ASTON, JASON R | — | HIGHMARK INC | $2K | — | $2K | 0.25% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY FINANCIAL CO IN | — | DELTA DENTAL | $898 | — | $898 | 7.89% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | — | DELTA DENTAL | $290 | — | $290 | 2.55% |
| NERONE, MATTHEW3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD | $834 | — | $834 | 9.85% |
| NERONE, MATTHEW3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD | $844 | — | $844 | 18.44% |
| NERONE, MATTHEW3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD | $213 | — | $213 | 13.59% |
| NERONE, MATTHEW3 | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | RELIANCE STANDARD | $202 | — | $202 | 13.64% |
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 | 83 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 81 | $673K |
| Dental | DELTA DENTAL | 102 | $11K |
| Vision | VISION BENEFITS OF AMERICA | 99 | $7K |
| Life insurance | RELIANCE STANDARD | 127 | $8K |
| Prescription drug | HIGHMARK INC | 81 | $673K |
| Other(4 contracts) | RELIANCE STANDARD | 127 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.