| 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 | 1.47% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2.2M | — | $2.2M | 1000.01% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK BENEFITS GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 6.49% |
| RICHARD D BRYER3 Filed as: RICHARD D BREYER | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $4 | $155 | 5.55% |
| TAMMY A MORGART3 | 13347 DEAN DR NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $9 | $153 | 5.48% |
| TIMOTHY J SLATER3 | 821 WHITE OAK DR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 0.39% |
| LISA M BREYER3 | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| MELISSA E GRAVES | 737 MENOHER BLVD JOHNSTOWN, PA 15901 | AFLAC | $714 | $247 | $961 | 46.67% |
| JAMES G BRANDT Filed as: JAMES G BRANT | 3900 INDUSTRIAL PARK DR ALTOONA, PA 16602 | AFLAC | $562 | $86 | $648 | 31.47% |
| JOHN E HRIVNAK | 3900 INDUSTRIAL DR SUITE 11 ALTOONA, PA 16602 | AFLAC | $335 | $86 | $421 | 20.45% |
| MARIA J BENNETTI | 2001 BELLMEADE DR ALTOONA, PA 16602 | AFLAC | $227 | — | $227 | 11.02% |
| JENNIFER ROBIN HRIVNAK | 3900 INDUSTRIAL PARK DR SUITE 11 ALTOONA, PA 16602 | AFLAC | $110 | — | $110 | 5.34% |
| MARCY L CLAPPER | 224 HERITAGE RD OSTERBURG, PA 16667 | AFLAC | $61 | — | $61 | 2.96% |
| BRIAN STRENKO Filed as: BRIAN R STRENKO | 469 MT HOPE RD SOUTH FORK, PA 15956 | AFLAC | $44 | — | $44 | 2.14% |
| JOY GRUBE PADGELEK | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15019 | AFLAC | $3 | — | $3 | 0.15% |
| BRIAN W PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16086 | AFLAC | $3 | — | $3 | 0.15% |
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 | 360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 674 | $2.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 674 | $2.5M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 333 | $225K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 333 | $230K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 333 | $225K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 674 | $2.5M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 11 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.