| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY & ASSOCIATES INC | 100 MEADOW LANE DUBOIS, PA 15801 | HIGHMARK | $33K | $0 | $33K | 4.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HIGHMARK | $59 | $0 | $59 | 0.01% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 726 EXCHANGE ST STE 900 BUFFALO, NY 14210 | HIGHMARK | -$14 | $0 | -$14 | -0.00% |
| HENRY DUNN INC3 | 317 MAIN STREET TOWANDA, PA 18848 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 5.00% |
| DUNN FINANCIAL INC3 Filed as: DUNN HENRY INC | PO BOX 109 TOWANDA, PA 18848 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 15.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFIT SVCS INC | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | HARTFORD LIFE AND ACCIDENT | $0 | $415 | $415 | 1.16% |
| HENRY DUNN INC3 Filed as: HENRY DUNN INC. | 317 MAIN STREET TOWANDA, PA 18848 | NATIONAL VISION ADMINISTRATORS | $416 | $0 | $416 | 3.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 525 WEST MONROE, SUITE 600 CHICAGO, IL 60661 | NATIONAL VISION ADMINISTRATORS | $287 | $0 | $287 | 2.45% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 167 | $748K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 187 | $54K |
| Vision | NATIONAL VISION ADMINISTRATORS | 129 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 99 | $36K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 99 | $36K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 99 | $36K |
| Prescription drug | HIGHMARK | 167 | $748K |
| Other | HARTFORD LIFE AND ACCIDENT | 99 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.