| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 212 MAIN STREET RIDGWAY, PA 15853 | HIGHMARK | $45K | — | $45K | 3.00% |
| FORADORA FINANCIAL SERVICES INC3 | 80 NORTH PARK PLACE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.47% |
| FORADORA FINANCIAL SERVICES INC3 | 80 NORTH PARK PLACE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $2K | $62 | $2K | 4.88% |
| CHARLENE M KOSKO3 Filed as: CHARLENE M GEORGEK | 574 TREASURE LAKE DU BOIS, PA 15801 | AFLAC | $2K | $59 | $2K | 4.73% |
| BILLY M CRAIN3 | 57 PICKERING STREET BROOKVILLE, PA 15825 | AFLAC | $616 | $39 | $655 | 1.97% |
| AMANDA STEIN3 | 1536 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $466 | — | $466 | 1.40% |
| CANDACE D PARSON3 | 550 TAYLOR STREET BROOKVILLE, PA 15825 | AFLAC | $466 | — | $466 | 1.40% |
| LICHVARCIK INS AGCY3 Filed as: LICHVARCIK INS AGENCY | 94 HILL TOP DRIVE REYNOLDSVILLE, PA 15851 | AFLAC | $343 | — | $343 | 1.03% |
| HEATHER HAAG3 | 32 EAST MAIN STREET #3 BROOKVILLE, PA 15825 | AFLAC | $261 | — | $261 | 0.79% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $177 | $39 | $216 | 0.65% |
| KAREN L MICHELITSCH3 | 4020 ROUTE 28 NORTH BROOKVILLE, PA 15825 | AFLAC | $211 | — | $211 | 0.64% |
| KAREN S NOSKER3 | 1037 BELL RUN ROAD REYNOLDSVILLE, PA 15851 | AFLAC | $137 | — | $137 | 0.41% |
| JEROME M GAVAZZI3 | 212 HAND STREET DUBOIS, PA 15801 | AFLAC | $118 | — | $118 | 0.36% |
| LYDIA E MCMURRAY3 | PO BOX 1172 LITTLE RIVER, SC 29566 | AFLAC | $99 | — | $99 | 0.30% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $88 | — | $88 | 0.26% |
| HEATHER HAAG3 | 107 GEIST WAY BROOKVILLE, PA 15825 | AFLAC | $40 | $40 | $80 | 0.24% |
| MARY P KING3 | 255 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $63 | — | $63 | 0.19% |
| SHARI LEARISH3 | 524 EAST 11TH STREET CLEARFIELD, PA 16830 | AFLAC | $59 | — | $59 | 0.18% |
| WILLIAM A LICHVARCIK3 | 94 HILL TOP DRIVE REYNOLDSVILLE, PA 15851 | AFLAC | $50 | — | $50 | 0.15% |
| BONNIE B HOCKINS3 | 9386 ROUTE 16232 KNOX, PA 16232 | AFLAC | $49 | — | $49 | 0.15% |
| STEVEN J LICHVARCIK3 | 1381 BURTON ALY REYNOLDSVILLE, PA 15851 | AFLAC | $47 | — | $47 | 0.14% |
| VINCENT A DECHURCH JR3 | LOT 146 SECTION 15 CARRIBEAN ROAD 339 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $36 | — | $36 | 0.11% |
| RYAN CAVALLINE3 | 138 CHERRY ROAD KERSEY, PA 15846 | AFLAC | $34 | — | $34 | 0.10% |
| BRIAN TODD KAUFFMAN3 | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $34 | — | $34 | 0.10% |
| KEVIN W CROOKS3 | 47 RESERVOIR ROAD REYNOLDSVILLE, PA 15851 | AFLAC | $31 | — | $31 | 0.09% |
| RUTH E CURRY3 | PO BOX 106 FORD CITY, PA 16226 | AFLAC | $29 | — | $29 | 0.09% |
| DANA L SPITTLER3 | PO BOX 91 EAST SMETHPORT, PA 16730 | AFLAC | $28 | — | $28 | 0.08% |
| RICK D GORDON3 | 111 SOUTH HIGHLAND STREET DUOIS, PA 15801 | AFLAC | $22 | — | $22 | 0.07% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $22 | — | $22 | 0.07% |
| DENNIS L HULSE3 | 240 PARALLEL STREET PLEASANTVILLE, PA 16341 | AFLAC | $18 | — | $18 | 0.05% |
| JACQUELINE M UHL3 | 1518 SANDSTONE DRIVE FALLS CREEK, PA 15840 | AFLAC | $14 | — | $14 | 0.04% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY, PA 16066 | AFLAC | $11 | — | $11 | 0.03% |
| MELORA M MCNUTT3 | 373 MCMANIGLE ROAD BROOKVILLE, PA 15825 | AFLAC | $11 | — | $11 | 0.03% |
| JOHN PETERSON3 | 1027 WINDFALL ROAD ST MARYS, PA 15857 | AFLAC | $8 | — | $8 | 0.02% |
| VICKI J VELTRI3 | 1175 BALKAN DRIVE PITTSBURGH, PA 15239 | AFLAC | $6 | — | $6 | 0.02% |
| ALLEN E POWELL SR3 Filed as: ALLEN E POWELL SENIOR | 245 CENTRAL AVENUE EXTENSION BROOKVILLE, PA 15825 | AFLAC | $5 | — | $5 | 0.02% |
| TYE ELLIOTT3 | 1300 NORTH INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $4 | — | $4 | 0.01% |
| KEYSTONE PACESETTERS INC3 | 100 SPRING HARBOR DRIVE #565 COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| JODY D MARSHALL3 | 514 BEAUMONT DRIVE STATE COLLEGE, PA 16801 | AFLAC | $2 | — | $2 | 0.01% |
| MARTHA G ALLEN3 | 412 WASHINGTON STREET NEW BETHLEHEM, PA 16242 | AFLAC | $2 | — | $2 | 0.01% |
| FORADORA FINANCIAL SERVICES INC3 | 80 NORTH PARK PLACE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.82% |
| FORADORA FINANCIAL SERVICES INC3 | 80 NORTH PARK PLACE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: FORADORA FINANICAL SERVICES INC | 80 NORTH PARK PLACE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 160 | $1.5M |
| Vision | HIGHMARK | 160 | $1.5M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $108K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $33K |
| Prescription drug | HIGHMARK | 160 | $1.5M |
| Other(4 contracts, 2 carriers) | AFLAC | 185 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.