| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4 RADNOR CORPORATE CENTER 100 MATSONFORD RD STE 510 WAYNE, PA 190874525 | UNITED HEALTHCARE INSURANCE COMPANY | — | $40K | $40K | 1.55% |
| KESSLAK FINANCIAL GROUP Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | DEARBORN NATIONAL LIFE INSURANCE CO | $19K | $12K | $31K | 12.53% |
| JAMES G BRANDT | 3900 INDUSTRIAL PARK DR ALTOONA, PA 16602 | AFLAC | $399 | — | $399 | 2.51% |
| JOHN E HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC | $234 | — | $234 | 1.47% |
| MARIA J BENNETTI | 2001 BELLMEADE DR ALTOONA, PA 16602 | AFLAC | — | $207 | $207 | 1.30% |
| MELISSA E GRAVES | 737 MENOHER BLVD JOHNSTOWN, PA 15901 | AFLAC | $143 | — | $143 | 0.90% |
| SUZANNE M COCCAGNA | 17 MAPLE AVE STE C BLAIRSVILLE, PA 15717 | AFLAC | $140 | — | $140 | 0.88% |
| JENNIFER ROBIN HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC | $95 | — | $95 | 0.60% |
| BRIAN STRENKO Filed as: BRIAN R STRENKO | 49 MT HOPE DR SOUTH FORK, PA 15956 | AFLAC | $51 | — | $51 | 0.32% |
| SHAYNE L BRANDENBURG | 17765 RT 954 HWY N HOME, PA 15747 | AFLAC | $37 | — | $37 | 0.23% |
| MICHAEL H FLEMING | 11186 BROKERS LN IRWIN, PA 15442 | AFLAC | $23 | — | $23 | 0.14% |
| JOY GRUBE PADGELEK | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN W PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16086 | AFLAC | $1 | — | $1 | 0.01% |
| BREYER INSURANCE SERVICES3 | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $475 | $11 | $486 | 17.11% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $176 | — | $176 | 6.20% |
| TAMMY A MORGART3 | 13347 DEAN DR NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $141 | $1 | $142 | 5.00% |
| RICHARD D BRYER3 | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $58 | — | $58 | 2.04% |
| TIMOTHY J SLATER3 | 821 WHITE OAK DR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $5 | $2 | $7 | 0.25% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT RD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | $4 | $6 | 0.21% |
| LISA M BREYER3 | 2135 RIDGE RD GREENSBURG, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | — | $3 | 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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 531 | $2.6M |
| Dental | HIGHMARK, INC | 563 | $106K |
| Vision | UNITED HEALTHCARE INS CO | 531 | $23K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 321 | $246K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE CO | 321 | $246K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE CO | 321 | $246K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE CO | 12 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.