| 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 60694 | HIGHMARK, INC. | $38K | — | $38K | 1.56% |
| KESSLAK FINANCIAL GROUP Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | DEARBORN LIFE INSURANCE COMPANY | $18K | — | $18K | 8.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 55407 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 11.51% |
| JAMES G BRANDT | 3900 INDUSTRIAL PARK DR ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $294 | — | $294 | 2.68% |
| SUZANNE M COCCAGNA | PO BOX 146 DERRY, PA 15627 | AFLAC - GROUP HWW61 | $192 | — | $192 | 1.75% |
| JOHN E HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $158 | — | $158 | 1.44% |
| MARIA J BENNETTI | 2001 BELLMEADE DR ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $119 | — | $119 | 1.09% |
| MELISSA E GRAVES | 737 MENOHER BLVD JOHNSTOWN, PA 15901 | AFLAC - GROUP HWW61 | $49 | — | $49 | 0.45% |
| KRYSTA LYNN CORNELISON | 1318 MAYWOOD LN GREENSBURG, PA 15601 | AFLAC - GROUP HWW61 | $45 | — | $45 | 0.41% |
| JENNIFER ROBIN HRIVNAK | 3900 INDUSTRIAL PARK DRIVE STE 11 ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $44 | — | $44 | 0.40% |
| MICHAEL H FLEMING | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC - GROUP HWW61 | $30 | — | $30 | 0.27% |
| BRIAN STRENKO Filed as: BRIAN R STRENKO | 469 MT HOPE RD SOUTH FORK, PA 15956 | AFLAC - GROUP HWW61 | $23 | — | $23 | 0.21% |
| JOY GRUBE PADGELEK | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC - GROUP HWW61 | $1 | — | $1 | 0.01% |
| BRIAN W PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC - GROUP HWW61 | $1 | — | $1 | 0.01% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $141 | — | $141 | 3.64% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $120 | — | $120 | 3.10% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $92 | — | $92 | 2.37% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $17 | — | $17 | 0.44% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $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 | 531 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 531 | $2.4M |
| Dental | HIGHMARK, INC. | 531 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 563 | $24K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 273 | $207K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 273 | $218K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 273 | $207K |
| Prescription drug | HIGHMARK, INC. | 531 | $2.4M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | 16 | $4K |
| 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."
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.