| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | UNITED HEALTHCARE INS CO | — | $46K | $46K | 1.54% |
| KESSLAK FINANCIAL GROUP Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | DEARBORN LIFE INSURANCE COMPANY | $19K | — | $19K | 7.52% |
| JAMES G BRANDT | 3900 INDUSTRIAL PARK DR ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $323 | — | $323 | 2.72% |
| JOHN E HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $178 | — | $178 | 1.50% |
| MARIA J BENNETTI | 2001 BELLMEADE DR ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $129 | — | $129 | 1.08% |
| MELISSA E GRAVES | 737 MENOHER BLVD JOHNSTOWN, PA 15901 | AFLAC - GROUP HWW61 | $96 | — | $96 | 0.81% |
| JENNIFER ROBIN HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $57 | — | $57 | 0.48% |
| BRIAN STRENKO Filed as: BRIAN R STRENKO | 469 MT HOPE RD SOUTH FORK, PA 15956 | AFLAC - GROUP HWW61 | $31 | — | $31 | 0.26% |
| JOY GRUBE PADGELEK | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC - GROUP HWW61 | $2 | — | $2 | 0.02% |
| BRIAN W PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC - GROUP HWW61 | $2 | — | $2 | 0.02% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 10.06% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 8.48% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 5.99% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 2.13% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.44% |
| LISA M BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INS CO | 515 | $3.0M |
| Dental | HIGHMARK INC | 567 | $91K |
| Vision | UNITED HEALTHCARE INS CO | 515 | $3.0M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 321 | $253K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 321 | $265K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 321 | $253K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 18 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.