| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 908 BEAVER DRIVE DUBOIS, PA 15801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $7K | $27K | 9.96% |
| NICOLE ANN STEELE3 | 67 STEELE ROAD BROCKWAY, PA 15824 | AFLAC | $4K | $67 | $4K | 7.37% |
| RYAN FERUT3 | 323 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $2K | $17 | $2K | 2.67% |
| KELLY M FERUT3 | 323 TREASURE LAKE DU BOIS, PA 15801 | AFLAC | $1K | $15 | $1K | 1.93% |
| CHARLENE M KOSKO3 | 574 TREASURE LAKE DU BOIS, PA 15801 | AFLAC | $916 | — | $916 | 1.55% |
| HANNAH V BICKLE3 | 1421 EAST MAIN STREET REYNOLDSVILLE, PA 15851 | AFLAC | $878 | — | $878 | 1.48% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $753 | $2 | $755 | 1.28% |
| KATIE MARIE ZAMEROSKI3 | 661 JUNIATA STREET EXTENSION DU BOIS, PA 15801 | AFLAC | $535 | — | $535 | 0.90% |
| KAYLA RENEE GORDON3 | 218 GRANT STREET REYNOLDSVILLE, PA 15851 | AFLAC | $516 | $1 | $517 | 0.87% |
| MARY P KING3 | 255 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $133 | — | $133 | 0.22% |
| LICHVARCIK INS AGCY3 | PO BOX 899 DUBOIS, PA 15801 | AFLAC | $91 | — | $91 | 0.15% |
| AMANDA STEIN3 | 1277 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $73 | — | $73 | 0.12% |
| BILLY M CRAIN3 | 8990 WENTLETRAP AVENUE PORT ST JOE, FL 32456 | AFLAC | $61 | — | $61 | 0.10% |
| JEROME M GAVAZZI3 | 212 HAND STREET DUBOIS, PA 15801 | AFLAC | $31 | — | $31 | 0.05% |
| SHARI LEARISH3 | 524 EAST 11TH STREET CLEARFIELD, PA 16830 | AFLAC | $27 | — | $27 | 0.05% |
| BENJAMIN T AARON3 | 301 LIBERTY STREET CLARION, PA 16214 | AFLAC | $23 | — | $23 | 0.04% |
| KAREN S NOSKER3 | 1037 BELL RUN ROAD REYNOLDSVILLE, PA 15851 | AFLAC | $23 | — | $23 | 0.04% |
| TIMOTHY R QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $21 | — | $21 | 0.04% |
| DENNIS L HULSE3 | 240 PARALLEL STREET PLEASANTVILLE, PA 16341 | AFLAC | $11 | — | $11 | 0.02% |
| BRIAN TODD KAUFFMAN3 | 3009 WILMINGTON ROAD NEW CASTLE, PA 16105 | AFLAC | $8 | — | $8 | 0.01% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $7 | — | $7 | 0.01% |
| DANA L SPITTLER3 | PO BOX 91 EAST SMETHPORT, PA 16730 | AFLAC | $7 | — | $7 | 0.01% |
| CANDACE D PARSON3 | 550 TAYLOR STREET BROOKVILLE, PA 15825 | AFLAC | $6 | — | $6 | 0.01% |
| BONNIE B HOCKINS3 | 12 SKY CLIFF PLACE LOVINGSTON, VA 22949 | AFLAC | $6 | — | $6 | 0.01% |
| HEATHER HAAG3 | 107 GEIST WAY BROOKVILLE, PA 15825 | AFLAC | $4 | — | $4 | 0.01% |
| KAREN L MICHELITSCH3 | 4020 ROUTE 28 NORTH BROOKVILLE, PA 15825 | AFLAC | $4 | — | $4 | 0.01% |
| RYAN CAVALLINE3 | 138 CHERRY ROAD KERSEY, PA 15846 | AFLAC | $4 | — | $4 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $4 | — | $4 | 0.01% |
| DANIEL E TORRES3 | 301 JAMESON COURT SEVEN FIELDS, PA 16046 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES DAVID PORTERFIELD3 | PO BOX 3041 ELKINS, WV 26241 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | 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% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: THE BLUE ORANGE SOLUTIONS | 2435 NORTH CENTRAL EXPRESSWAY 12TH FLOOR RICHARDSON, TX 75080 | AFLAC | -$1 | — | -$1 | -0.00% |
| MARIANNE E SULLIVAN3 | 305 WATERFORD COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | -$3 | — | -$3 | -0.01% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $273K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $273K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $273K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $273K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $273K |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICAN INSURANCE COMPANY | 154 | $379K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $333K |
| 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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.