| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4 RADNOR CORPORATE CTR 100 MATSONFORD RD STE 510 WAYNE, PA 19087 | UNITED HEALTHCARE INSURANCE COMPANY | — | $37K | $37K | 1.59% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | AMERICAN UNITED LIFE INSURANCE COMPANY | $25K | $6K | $31K | 12.55% |
| MELISSA E GRAVES3 | 737 MENOHER BLVD JOHNSTOWN, PA 15905 | AFLAC | $5K | — | $5K | 17.46% |
| JAMES G BRANDT3 | 3900 INDUSTRIAL PARK DDR ALTOONA, PA 16602 | AFLAC | $1K | — | $1K | 4.20% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DR SUITE 11 ALTOONA, PA 16602 | AFLAC | $826 | $108 | $934 | 3.44% |
| MARIA J BENNETTI3 Filed as: MARIA BENNETTI | 2001 BELLMEADE DR ALTOONA, PA 16602 | AFLAC | $584 | — | $584 | 2.15% |
| MARCY L CLAPPER3 | 244 HERITAGE RD OSTERBURG, PA 16667 | AFLAC | $294 | $6 | $300 | 1.10% |
| JENNIFER ROBIN HRIVNAK3 | 3900 INDUSTRIAL PARK DR SUITE 11 ALTOONA, PA 16602 | AFLAC | $192 | — | $192 | 0.71% |
| BRIAN STRENKO3 Filed as: BRIAN R STRENKO | 3271 WILLIAM PENN AVE JOHNSTOWN, PA 15909 | AFLAC | $155 | — | $155 | 0.57% |
| BRIAN STRENKO3 Filed as: BRIAN R STRENKO | 469 MT HOPE RD SOUTH FORK, PA 15956 | AFLAC | $52 | — | $52 | 0.19% |
| BIRAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3 | — | $3 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $3 | — | $3 | 0.01% |
| KESSLAK FINANCIAL GROUP3 | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 7.66% |
| RICHARD D BRYER3 | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $5 | $209 | 6.64% |
| TAMMY A MORGART3 | 13347 DEAN DR NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $4 | $184 | 5.85% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.44% |
| LISA M BRYER3 | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.10% |
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 | 357 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 741 | $2.3M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 741 | $2.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 741 | $2.3M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 370 | $248K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 370 | $276K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 370 | $248K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 741 | $2.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 35 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.