| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES, INC | 4 RADNOR CORPORATE CENTER 100 MATSONFORD RD STE 510 WAYNE, PA 19087 | UNITED HEALTHCARE INS CO | — | $44K | $44K | 2.10% |
| KESSLAK FINANCIAL GROUP Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | DEARBORN NATIONAL LIFE INSURANCE CO | $19K | — | $19K | 7.48% |
| JAMES G BRANDT | 3900 INDUSTRIAL PARK DR ALTOONA, PA 16602 | AFLAC | $374 | — | $374 | 2.68% |
| JOHN E HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC | $207 | — | $207 | 1.48% |
| MARIA J BENNETTI | 2001 BELLMEADE DR ALTOONA, PA 16602 | AFLAC | $166 | — | $166 | 1.19% |
| MELISSA E GRAVES | 737 MENOHER BLVD JOHNSTOWN, PA 15901 | AFLAC | $106 | — | $106 | 0.76% |
| SUZANNE M COCCAGNA | 17 MAPLE AVE STE C BLAIRSVILLE, PA 15717 | AFLAC | $70 | — | $70 | 0.50% |
| JENNIFER ROBIN HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC | $65 | — | $65 | 0.47% |
| BRIAN STRENKO | 469 MT HOPE RD SOUTH FORK, PA 15956 | AFLAC | $35 | — | $35 | 0.25% |
| SHAYNE L BRANDENBURG | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $18 | — | $18 | 0.13% |
| MICHAEL H FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $12 | — | $12 | 0.09% |
| JOY GRUBE PADGELEK | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN W PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16056 | AFLAC | $2 | — | $2 | 0.01% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | COLONIAL LIFE & ACCIDENTINSURANCE CO | $320 | — | $320 | 9.21% |
| BRYER INSURANCE SERVICES, INC. Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENTINSURANCE CO | $268 | — | $268 | 7.71% |
| TAMMY A MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENTINSURANCE CO | $250 | — | $250 | 7.20% |
| SARA MARIE BRYER | 1201 CLARIDGE ELLIOT ROAD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENTINSURANCE CO | $19 | — | $19 | 0.55% |
| TIMOTHY J SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENTINSURANCE CO | $3 | — | $3 | 0.09% |
| LISA M BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENTINSURANCE CO | $3 | — | $3 | 0.09% |
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 | 353 | 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. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INS CO | 628 | $2.1M |
| Dental | HIGHMARK, INC | 561 | $94K |
| Vision | UNITED HEALTHCARE INS CO | 522 | $23K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE CO | 281 | $253K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 281 | $267K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE CO | 281 | $253K |
| Other | COLONIAL LIFE & ACCIDENTINSURANCE CO | 17 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.