| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KESSLAK FINANCIAL GROUP3 | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | HIGHMARK | $8K | — | $8K | 3.36% |
| KESSLAK FINANCIAL GROUP3 | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | GEISINGER QUALITY OPTIONS, INC. | $5K | — | $5K | 2.50% |
| KESSLAK FINANCIAL GROUP3 | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | GEISINGER HEALTH PLAN | $2K | — | $2K | 2.50% |
| KESSLAK FINANCIAL GROUP3 | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | GUARDIAN LIFE INSURANCE CO. | $3K | — | $3K | 6.06% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH, LLC | 244 BLVD OF THE ALLIES 6TH FLOOR PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE CO. | $60 | — | $60 | 0.12% |
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 | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 71 | $439K |
| Dental | GUARDIAN LIFE INSURANCE CO. | 70 | $49K |
| Vision | HIGHMARK | 71 | $240K |
| Prescription drug | HIGHMARK | 71 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.