| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KESSLAK FINANCIAL GROUP3 | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | GEISINGER QUALITY OPTIONS, INC. | $5K | — | $5K | 2.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER QUALITY OPTIONS, INC. | $2K | — | $2K | 1.04% |
| CONSORTO, LLC3 | 212 MAIN STREET RIDGWAY, PA 15853 | HIGHMARK | $6K | — | $6K | 4.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HIGHMARK | $414 | — | $414 | 0.32% |
| KESSLAK FINANCIAL GROUP3 | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | HIGHMARK | $1 | — | $1 | 0.00% |
| KESSLAK FINANCIAL GROUP3 | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | GEISINGER HEALTH PLAN | $2K | — | $2K | 2.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER HEALTH PLAN | $1K | — | $1K | 1.48% |
| KESSLAK FINANCIAL GROUP3 | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | GUARDIAN LIFE INSURANCE CO. | $2K | — | $2K | 5.65% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE CO. | $156 | — | $156 | 0.45% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH, LLC | 244 BLVD OF THE ALLIES 6TH FLOOR PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE CO. | $39 | — | $39 | 0.11% |
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 | 81 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER QUALITY OPTIONS, INC. | 62 | $370K |
| Dental | GUARDIAN LIFE INSURANCE CO. | 62 | $35K |
| Vision | HIGHMARK | 62 | $131K |
| Prescription drug | HIGHMARK | 62 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.