| 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. | $56K | — | $56K | 1.89% |
| KESSLAK FINANCIAL GROUP Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | DEARBORN LIFE INSURANCE COMPANY | $20K | — | $20K | 6.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $48 | $48 | 0.20% |
| SUZANNE M COCCAGNA | PO BOX 146 DERRY, PA 15627 | AFLAC - GROUP HWW61 | $1K | — | $1K | 8.61% |
| RUTH E CURRY | PO BOX 106 FORD CITY, PA 16226 | AFLAC - GROUP HWW61 | $364 | — | $364 | 2.23% |
| JAMES G BRANDT | 3900 INDUSTRIAL PARK DRIVE ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $318 | — | $318 | 1.95% |
| MICHAEL H FLEMING | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC - GROUP HWW61 | $258 | — | $258 | 1.58% |
| DANIEL HAYDEN | 2553 RAYMOND AVE LATROBE, PA 15650 | AFLAC - GROUP HWW61 | $246 | — | $246 | 1.51% |
| JOHN E HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $171 | — | $171 | 1.05% |
| KRYSTA LYNN CORNELISON | 1318 MAYWOOD LN GREENSBURG, PA 15601 | AFLAC - GROUP HWW61 | $141 | — | $141 | 0.86% |
| MARIA J BENNETTI | 2001 BELLMEADE DR ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $134 | — | $134 | 0.82% |
| MELISSA E GRAVES | 737 MENOHER BLVD JOHNSTOWN, PA 15901 | AFLAC - GROUP HWW61 | $109 | — | $109 | 0.67% |
| JENNIFER ROBIN HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $46 | — | $46 | 0.28% |
| BRIAN STRENKO Filed as: BRIAN R STRENKO | 469 MT HOPE RD SOUTH FORK, PA 15956 | AFLAC - GROUP HWW61 | $25 | — | $25 | 0.15% |
| 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 COMPANY | $102 | — | $102 | 2.95% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 2.49% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 2.03% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.29% |
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 | 614 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 614 | $2.9M |
| Dental | HIGHMARK, INC. | 614 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 673 | $23K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 310 | $307K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 310 | $323K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 310 | $307K |
| Prescription drug | HIGHMARK, INC. | 614 | $2.9M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.