| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON DANIEL HAMILTON3 | 169 MIDWAY DR. DUBOIS, PA 15801 | AFLAC | $13K | — | $13K | 9.60% |
| JACQUELINE G KINDERMAN3 | 38 MCLANE AVE. DUBOIS, PA 15801 | AFLAC | $9K | $933 | $10K | 7.44% |
| AMANDA STEIN3 | 1277 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $1K | $282 | $2K | 1.27% |
| PEGGY LYNN STORMER3 | 244 MCANINCH RD. BROOKVILLE, PA 15825 | AFLAC | $859 | $154 | $1K | 0.75% |
| KELLY M FERUT3 | 323 TREASURE LK DUBOIS, PA 15801 | AFLAC | $652 | — | $652 | 0.48% |
| DAVID WILSON HOLTZ3 | 182 JEFFERSON ST. BROOKVILLE, PA 15825 | AFLAC | $436 | — | $436 | 0.32% |
| CHRISTINE MILDRED SCHOEN3 | 6048 ROUTE 446 ELDRED, PA 16731 | AFLAC | $6 | — | $6 | 0.00% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 110 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.