| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CINDY L NIMITZ | PO BOX 820 JOHNSTOWN, PA 15907 | HIGHMARK, INC | $69K | — | $69K | 1.92% |
| KESSLAK FINANCIAL GROUP Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | DEARBORN LIFE INSURANCE COMPANY | $13K | — | $13K | 3.90% |
| ANDERSON BENEFIT SOLUTIONS Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | PO BOX 507 212 MAIN STREET RIDGWAY, PA 15845 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 265 EXCHANGE DR CRYSTAL LAKE, IL 60014 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $419 | $419 | 1.65% |
| SUZANNE M COCCAGNA | PO BOX 146 DERRY, PA 15627 | AFLAC- GROUP HWW61 | $398 | — | $398 | 3.21% |
| JAMES G BRANDT | 3900 INDUSTRIAL PARK DR ALTOONA, PA 16602 | AFLAC- GROUP HWW61 | $170 | — | $170 | 1.37% |
| DANIEL HAYDEN | 2553 RAYMOND AVE LATROBE, PA 15650 | AFLAC- GROUP HWW61 | $163 | — | $163 | 1.32% |
| MICHAEL H FLEMING | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC- GROUP HWW61 | $110 | — | $110 | 0.89% |
| JOHN E HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC- GROUP HWW61 | $91 | — | $91 | 0.73% |
| MELISSA E GRAVES | 168 W HILLS DR APT B10 GREENSBURG, PA 15601 | AFLAC- GROUP HWW61 | $90 | — | $90 | 0.73% |
| RUTH E CURRY | PO BOX 106 FORD CITY, PA 16226 | AFLAC- GROUP HWW61 | $59 | — | $59 | 0.48% |
| MARIA J BENNETTI | 2001 BELLMEADE DR ALTOONA, PA 16602 | AFLAC- GROUP HWW61 | $40 | — | $40 | 0.32% |
| KRYSTA LYNN CORNELISON Filed as: KRYSTA L CORNELISON | 1318 MAYWOOD LN GREENSBURG, PA 15601 | AFLAC- GROUP HWW61 | $27 | — | $27 | 0.22% |
| JENNIFER ROBIN WAGNER Filed as: JENNIFER R WAGNER | 907 ALLEGHENY ST APT 2 HOLLIDAYSBURG, PA 16648 | AFLAC- GROUP HWW61 | $26 | — | $26 | 0.21% |
| BRIAN STRENKO | 469 MT HOPE RD SOUTH FORK, PA 15956 | AFLAC- GROUP HWW61 | $14 | — | $14 | 0.11% |
| JOY GRUBE PADGELEK Filed as: JOY G PADGELEK | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC- GROUP HWW61 | $1 | — | $1 | 0.01% |
| BRIAN W PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC- GROUP HWW61 | $1 | — | $1 | 0.01% |
| BRYER INSURANCE SERVICES, INC. Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 2.75% |
| ANDERSON BENEFIT SOLUTIONS Filed as: ANDERSON & KIME EMPLOYEE BENEFITS | 344 MAIN ST PO BOX 507 RIDGWAY, PA 15853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 2.18% |
| TAMMY A MORGART | 13347 DEAN DR NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 2.09% |
| KESSLAK FINANCIAL GROUP Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.14% |
| SARA MARIE BRYER Filed as: SARA M BRYER | 1201 CLARIDGE ELLIOTT RD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.47% |
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 | 475 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC | 575 | $3.6M |
| Dental | HIGHMARK, INC | 575 | $3.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 639 | $25K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 323 | $341K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 323 | $354K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 323 | $341K |
| Prescription drug | HIGHMARK, INC | 575 | $3.6M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 9 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.