| 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 INC | $54K | — | $54K | 3.00% |
| FORADORA FINANCIAL SERVICES INC3 | 80 NORTH PARK PLACE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.37% |
| CHARLENE M KOSKO3 Filed as: CHARLENE GEORGEK | 574 TREASURE LAKE DU BOIS, PA 15801 | AFLAC | $2K | $82 | $2K | 4.66% |
| PEGGY LYNN STORMER3 Filed as: PEGGY STORMER | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $1K | $115 | $1K | 3.96% |
| BRIAN DEE MOWREY3 Filed as: BRIAN MOWREY | 28 SYKES STREET SYKESVILLE, PA 15865 | AFLAC | $761 | — | $761 | 2.11% |
| BILLY M CRAIN3 Filed as: BILLY CRAIN | 57 PICKERING STREET BROOKVILLE, PA 15825 | AFLAC | $362 | $33 | $395 | 1.10% |
| LICHVARCIK INS AGCY3 | 94 HILL TOP DRIVE REYNOLDSVILLE, PA 15851 | AFLAC | $322 | — | $322 | 0.89% |
| MARIAN GAVAZZI3 | 212 HAND STREET DUBOIS, PA 15801 | AFLAC | $118 | — | $118 | 0.33% |
| KAREN S NOSKER3 Filed as: KAREN NOSKER | 1037 BELL RUN ROAD REYNOLDSVILLE, PA 15851 | AFLAC | $117 | — | $117 | 0.32% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $100 | — | $100 | 0.28% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $80 | — | $80 | 0.22% |
| AMANDA STEIN3 | 1277 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $73 | — | $73 | 0.20% |
| LYDIA MCMURRAY3 | PO BOX 1172 LITTLE RIVER, SC 29566 | AFLAC | $72 | — | $72 | 0.20% |
| SHARI LEARISH3 | 524 EAST 11TH STREET CLEARFIELD, PA 16830 | AFLAC | $48 | — | $48 | 0.13% |
| STEVEN LICHVARCIK3 | 1381 BURTON ALLEY REYNOLDSVILLE, PA 15851 | AFLAC | $47 | — | $47 | 0.13% |
| HEATHER HAAG3 | 107 GEIST WAY BROOKVILLE, PA 15825 | AFLAC | $46 | — | $46 | 0.13% |
| BONNIE B HOCKINS3 Filed as: BONNIE HOCKINS | 12 SKY CLIFF PLACE LOVINGSTON, VA 22949 | AFLAC | $44 | — | $44 | 0.12% |
| CANDACE D PARSON3 Filed as: CANDACE PARSON | 550 TAYLOR STREET BROOKVILLE, PA 15825 | AFLAC | $38 | — | $38 | 0.11% |
| MARY P KING3 Filed as: MARY KING | 255 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $36 | — | $36 | 0.10% |
| KEVIN W CROOKS3 Filed as: KEVIN CROOKS | 47 RESERVOIR ROAD REYNOLDSVILLE, PA 15851 | AFLAC | $34 | — | $34 | 0.09% |
| RUTH E CURRY3 Filed as: RUTH CURRY | PO BOX 106 FORD CITY, PA 16226 | AFLAC | $32 | — | $32 | 0.09% |
| DEBORAH DECHURCH JR3 | 517 LOCUST STREET DUBOIS, PA 15801 | AFLAC | $30 | — | $30 | 0.08% |
| DANA L SPITTLER3 Filed as: DANA SPITTLER | PO BOX 91 EAST SMETHPORT, PA 16730 | AFLAC | $29 | — | $29 | 0.08% |
| KAREN L MICHELITSCH3 Filed as: KAREN MICHELITSCH | 4020 ROUTE 28 NORTH BROOKVILLE, PA 15825 | AFLAC | $28 | — | $28 | 0.08% |
| RICK D GORDON3 | 111 SOUTH HIGHLAND STREET DUBOIS, PA 15801 | AFLAC | $24 | — | $24 | 0.07% |
| BRIAN TODD KAUFFMAN3 Filed as: BRIAN KAUFFMAN | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $24 | — | $24 | 0.07% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $23 | — | $23 | 0.06% |
| DOMINICK J LACARIA3 Filed as: DOMINICK LACARIA | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $21 | — | $21 | 0.06% |
| DENNIS HULSE3 | 240 PARALLEL STREET PLEASANTVILLE, PA 16341 | AFLAC | $18 | — | $18 | 0.05% |
| JOY GRUBE PADGELEK3 Filed as: JOY PADGELEK | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $17 | — | $17 | 0.05% |
| JACQUELINE M UHL3 Filed as: JACQUELINE UHL | 1518 SANDSTONE DRIVE FALLS CREEK, PA 15840 | AFLAC | $15 | — | $15 | 0.04% |
| MELORA M MCNUTT3 Filed as: MELORA MCNUTT | 373 MCMANIGLE ROAD BROOKVILLE, PA 15825 | AFLAC | $11 | — | $11 | 0.03% |
| JOHN PETERSON3 | 1027 WINDFALL ROAD SAINT MARYS, PA 15857 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $8 | — | $8 | 0.02% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $7 | — | $7 | 0.02% |
| VICKI J VELTRI3 Filed as: VICKI VELTRI | 1175 BALKAN DRIVE PITTSBURGH, PA 15239 | AFLAC | $6 | — | $6 | 0.02% |
| ALLEN E POWELL SR3 Filed as: ALLEN POWELL SR | 245 CENTRAL AVENUE EXTENSION BROOKVILLE, PA 15825 | AFLAC | $5 | — | $5 | 0.01% |
| TYE ELLIOTT3 | 1300 NORTH INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES DAVID PORTERFIELD3 Filed as: JAMES PORTERFIELD | PO BOX 3041 ELKINS, WV 26241 | AFLAC | $3 | — | $3 | 0.01% |
| MARTHA G ALLEN3 Filed as: MARTHA ALLEN | 412 WASHINGTON STREET NEW BETHLEHEM, PA 16242 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN FRICK3 | 724 HIGH STREET EXTENSION DUNBAR, PA 15431 | AFLAC | $2 | — | $2 | 0.01% |
| MELISSA DAWN MCCLAIN3 Filed as: MELISSA MCCLAIN | 104 WITHEROW ROAD SEWICKLEY, PA 15143 | AFLAC | $2 | — | $2 | 0.01% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $2 | — | $2 | 0.01% |
| SHARON R GRANT3 Filed as: SHARON GRANT | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $1 | — | $1 | 0.00% |
| FORADORA FINANCIAL SERVICES INC3 | 80 NORTH PARK PLACE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| FORADORA FINANCIAL SERVICES INC3 | 80 NORTH PARK PLACE DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.97% |
| 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 | 173 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 176 | $1.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 22 | $12K |
| Vision | HIGHMARK INC | 176 | $1.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $113K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $34K |
| Prescription drug | HIGHMARK INC | 176 | $1.8M |
| Other(3 contracts, 2 carriers) | AFLAC | 186 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.