| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON DANIEL HAMILTON3 | 169 MIDWAY DR. DUBOIS, PA 15801 | AFLAC | $14K | — | $14K | 9.34% |
| JACQUELINE G KINDERMAN3 Filed as: JACQUELINE G PROSPER | 243 E LOGAN AVE. DUBOIS, PA 15801 | AFLAC | $10K | $944 | $11K | 7.25% |
| RYAN FERUT3 | 323 TREASURE LK DUBOIS, PA 15801 | AFLAC | $1K | — | $1K | 0.80% |
| KELLY M FERUT3 | 323 TREASURE LK DUBOIS, PA 15801 | AFLAC | $901 | $220 | $1K | 0.75% |
| PEGGY LYNN STORMER3 | 244 MCANINCH RD BROOKVILLE, PA 15825 | AFLAC | $726 | — | $726 | 0.48% |
| AMANDA STEIN3 | 1277 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $456 | $220 | $676 | 0.45% |
| DAVID WILSON HOLTZ3 | 182 JEFFERSON ST BROOKVILLE, PA 15825 | AFLAC | $438 | — | $438 | 0.29% |
| KAREN S NOSKER3 | 1037 BELL RUN RD. REYNOLDSVILLE, PA 15851 | AFLAC | $4 | — | $4 | 0.00% |
| BILLY M CRAIN3 | 8990 WENTLETRAP AVE PORT ST JOE, FL 32456 | AFLAC | $1 | — | $1 | 0.00% |
| HEATHER HAAG3 | 107 GEIST WAY BROOKVILLE, PA 15825 | AFLAC | $1 | — | $1 | 0.00% |
| DJME VENTURES INC.3 | PO BOX 976 GROVE CITY, PA 16127 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.80% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY FINANCIAL CO. INC. | 100 MEADOW LANE STE 1 DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.20% |
| DJME VENTURES INC.3 | PO BOX 976 GROVE CITY, PA 16127 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.76% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY FINANCIAL CO. INC. | 100 MEADOW LANE STE 1 DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.24% |
| DJME VENTURES INC.3 | PO BOX 976 GROVE CITY, PA 16127 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.72% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY FINANCIAL CO. INC. | 100 MEADOW LANE STE 1 DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.28% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $72K |
| Other(3 contracts, 2 carriers) | AFLAC | 433 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.