| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | PO BOX 507 212 MAIN STREET RIDGWAY, PA 15845 | DEARBORN LIFE INSURANCE COMPANY | $14K | $5K | $19K | 12.47% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | PO BOX 507 212 MAIN STREET RIDGWAY, PA 15845 | DEARBORN LIFE INSURANCE COMPANY | $13K | $5K | $18K | 12.26% |
| NICOLE ANN STEELE3 | 5 BAXTER STREET REYNOLDSVILLE, PA 15851 | AFLAC | $5K | — | $5K | 9.32% |
| KELLY M FERUT3 | 323 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $2K | — | $2K | 3.90% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROKKVILLE, PA 15825 | AFLAC | $2K | $14 | $2K | 3.29% |
| CHARLENE M KOSKO3 Filed as: CHARLENE M GEORGEK | 574 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $1K | — | $1K | 2.84% |
| RYAN FERUT3 | 323 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $776 | — | $776 | 1.57% |
| KAYLA RENEE GORDON3 | 218 GRANT STREET REYNOLDSVILLE, PA 15851 | AFLAC | $558 | $37 | $595 | 1.20% |
| MARY P KING3 | 255 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $305 | $60 | $365 | 0.74% |
| AARON PAUL CONNER3 | 108 GOLF ALLEY NEW BETHELEHEM, PA 16242 | AFLAC | $164 | — | $164 | 0.33% |
| EDGAR GENE CONNER3 | 286 ACME STREET RIMERSBURG, PA 16248 | AFLAC | $164 | — | $164 | 0.33% |
| LICHVARCIK INS AGCY3 | PO BOX 899 DUBOIS, PA 15801 | AFLAC | $124 | — | $124 | 0.25% |
| AMANDA STEIN3 | 1277 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $104 | $14 | $118 | 0.24% |
| CHARLENE M KOSKO3 | 574 TREASURE LAKE DU BOIS, PA 15801 | AFLAC | $112 | — | $112 | 0.23% |
| BENJAMIN T AARON3 | 301 LIBERTY STREET CLARION, PA 16214 | AFLAC | $92 | — | $92 | 0.19% |
| BILLY M CRAIN3 | 1026 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $89 | — | $89 | 0.18% |
| SHARI LEARISH3 | 524 EAST 11TH STREET CLEARFIELD, PA 16830 | AFLAC | $66 | — | $66 | 0.13% |
| JEROME M GAVAZZI3 | 212 HAND STREET DUBOIS, PA 15801 | AFLAC | $56 | — | $56 | 0.11% |
| BRIAN DEE MOWREY3 | 28 SYKES STREET SYKESVILLE, PA 15865 | AFLAC | $53 | — | $53 | 0.11% |
| KAREN S NOSKER3 | 1037 BELL RUN ROAD REYNOLDSVILLE, PA 15851 | AFLAC | $51 | — | $51 | 0.10% |
| BILLY M CRAIN3 | 8990 WENTLETRAP AVENUE PORT ST JOE, FL 32456 | AFLAC | $39 | — | $39 | 0.08% |
| ALLEN KEITH PONTIOUS3 | 1139 PERSHING AVENUE BROCKWAY, PA 15824 | AFLAC | $25 | — | $25 | 0.05% |
| TIMOTHY R QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $22 | — | $22 | 0.04% |
| VINCENT A DECHURCH JR3 | LOT 146 SECTION 15 CARRIBEAN ROAD 339 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $20 | — | $20 | 0.04% |
| STEVEN J LICHVARCIK3 | PO BOX 899 DU BOIS, PA 15801 | AFLAC | $18 | — | $18 | 0.04% |
| CANDACE D PARSON3 | 550 TAYLOR STREET BROOKVILLE, PA 15825 | AFLAC | $16 | — | $16 | 0.03% |
| KAREN L MICHELITSCH3 | 4020 ROUTE 28 NORTH BROOKVILLE, PA 15825 | AFLAC | $14 | — | $14 | 0.03% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $12 | — | $12 | 0.02% |
| DENNIS L HULSE3 | 240 PARALLEL STREET PLEASANTVILLE, PA 16341 | AFLAC | $11 | — | $11 | 0.02% |
| DANA L SPITTLER3 | PO BOX 91 SUITE 101 EAST SMETHPORT, PA 16730 | AFLAC | $9 | — | $9 | 0.02% |
| BRIAN TODD KAUFFMAN3 | 3009 WILMINGTON ROAD NEW CASTLE, PA 16105 | AFLAC | $9 | — | $9 | 0.02% |
| RICK D GORDON3 | 111 SOUTH HIGHLAND STREET DUBOIS, PA 15801 | AFLAC | $9 | — | $9 | 0.02% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRA, PA 15317 | AFLAC | $8 | — | $8 | 0.02% |
| BONNIE B HOCKINS3 | 12 SKY CLIFF PLACE LOVINGSTON, VA 22949 | AFLAC | $6 | — | $6 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $5 | — | $5 | 0.01% |
| HEATHER HAAG3 | 107 GEIST WAY BROOKVILLE, PA 15825 | AFLAC | $4 | — | $4 | 0.01% |
| RYAN CAVALLINE3 | 138 CHERRY ROAD KERSEY, PA 15846 | AFLAC | $4 | — | $4 | 0.01% |
| JERRY R CROASMAN3 | 1506 PIKE ROAD PUNXSUTAWNEY, PA 15767 | AFLAC | $4 | — | $4 | 0.01% |
| SHAYNE L BRANDENBURG3 | 17765 ROUTE 954 HIGHWAY N HOME, PA 15747 | AFLAC | $3 | — | $3 | 0.01% |
| MARTHA G ALLEN3 | 412 WASHINGTON STREET NEW BETHLEHEM, PA 16242 | AFLAC | $2 | — | $2 | 0.00% |
| RUTH E CURRY3 | PO BOX 106 FORD CITY, PA 16226 | AFLAC | $2 | — | $2 | 0.00% |
| KRYSTA LYNN CORNELISON3 | 1318 MAYWOOD LANE GREENSBURG, PA 15601 | AFLAC | $1 | — | $1 | 0.00% |
| LYDIA E MCMURRAY3 | 1102 EUREKA TRAIL LONGS, SC 29568 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL H FLEMING3 | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC | $1 | — | $1 | 0.00% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.00% |
| SHARON R GRANT3 | 96 SILVER OAKS CIRCLE APARTMENT 1104 NAPLES, FL 34119 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $1 | — | $1 | 0.00% |
| MELISSA DAWN MCCLAIN3 | 526 SCAIFE ROAD SEWICKLEY, PA 15143 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES DAVID PORTERFIELD3 | PO BOX 3041 ELKINS, WV 26241 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN P FRICK3 | 724 HIGH STREET EXTENSION DUNBAR, PA 15431 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTIN J QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI J VELTRI3 | 1175 BALKAN DRIVE PITTSBURGH, PA 15239 | AFLAC | $1 | — | $1 | 0.00% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON KIME EMPLOYEE BENEFITS | PO BOX 507 RIDGWAY, PA 15853 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.93% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | 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) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 158 | $686K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $46K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $46K |
| Life insurance(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 213 | $294K |
| Short-term disability(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 213 | $294K |
| Long-term disability(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 213 | $294K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 213 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.