| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CINDY L NIMITZ/GALLAGHER | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK, INC | $64K | $0 | $64K | 1.63% |
| KESSLAK FINANCIAL GROUP Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | DEARBORN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 5.85% |
| SUZANNE M COCCAGNA | PO BOX 146 DERRY, PA 15627 | AFLAC - GROUP HWW61 | $3K | $189 | $3K | 16.01% |
| DANIEL HAYDEN | 2553 RAYMOND AVE LATROBE, PA 15650 | AFLAC - GROUP HWW61 | $739 | $33 | $772 | 3.88% |
| MICHAEL H FLEMING | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC - GROUP HWW61 | $503 | $42 | $545 | 2.74% |
| JAMES G BRANDT | 3900 INDUSTRIAL PARK DR ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $204 | $0 | $204 | 1.02% |
| RUTH E CURRY | PO BOX 106 FORD CITY, PA 16226 | AFLAC - GROUP HWW61 | $101 | $24 | $125 | 0.63% |
| JOHN E HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $115 | $0 | $115 | 0.58% |
| MELISSA E GRAVES | 168 W HILLS DR APT B10 GREENSBURG, PA 15601 | AFLAC - GROUP HWW61 | $96 | $0 | $96 | 0.48% |
| MARIA J BENNETTI | 2001 BELLMEADE DR ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $75 | $0 | $75 | 0.38% |
| KRYSTA LYNN CORNELISON | 1318 MAYWOOD LN GREENSBURG, PA 15601 | AFLAC - GROUP HWW61 | $51 | $9 | $60 | 0.30% |
| JENNIFER ROBIN HRIVNAK | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC - GROUP HWW61 | $39 | $0 | $39 | 0.20% |
| BRIAN STRENKO Filed as: BRIAN R STRENKO | 469 MT HOPE RD SOUTH FORK, PA 15956 | AFLAC - GROUP HWW61 | $23 | $0 | $23 | 0.12% |
| JENNIFER ROBIN WAGNER | 907 ALLEGHENY ST APT 2 HOLLIDAYSBURG, PA 16648 | AFLAC - GROUP HWW61 | $4 | $0 | $4 | 0.02% |
| JOY GRUBE PADGELEK | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC - GROUP HWW61 | $1 | $0 | $1 | 0.01% |
| BRIAN W PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC - GROUP HWW61 | $1 | $0 | $1 | 0.01% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP INC | 891 MENOHER BLVD JOHNSTOWN, PA 15905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 3.28% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 2.78% |
| TAMMY A MORGART3 Filed as: TAMMY MORGART | 13347 DEAN DR NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 2.17% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOTT RD JEANETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.38% |
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 | 632 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC | 632 | $3.9M |
| Dental | HIGHMARK, INC | 632 | $3.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $30K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 354 | $349K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 354 | $369K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 354 | $349K |
| Prescription drug | HIGHMARK, INC | 632 | $3.9M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 11 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.