| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE #1 DUBOIS, PA 15801 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (DUBOIS) | $30K | — | $30K | 6.00% |
| GARY M. KLOBCHAR3 | 4104 CORK BOCKTOWN ROAD CLINTON, PA 15026 | AMERICAN UNITED LIFE INSURANCE COMPANY | $38K | — | $38K | 17.00% |
| SWIFT KENNEDY FINANCIAL CO INC3 | 100 MEADOW LANE # 1 DUBOIS, PA 15801 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (DUBOIS) | $8K | — | $8K | 4.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (ELK) | $4K | $11K | $15K | 9.67% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (ELK) | $3K | $6K | $9K | 10.94% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (ELK) | $5K | $5K | $10K | 13.20% |
| BROOKVILLE INSURANCE AGENCY3 Filed as: BROOKVILLE INSURANCE AGENCY INC | 132 MAIN STREET BROOKVILLE, PA 158251213 | UNITED OF OMAHA LIFE INSURANCE COMPANY (BROOKVILLE) | $3K | — | $3K | 15.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY (ELK) | $3K | $1K | $4K | 22.08% |
| BROOKVILLE INSURANCE AGENCY3 Filed as: BROOKVILLE INSURANCE AGENCY INC | 132 MAIN STREET BROOKVILLE, PA 158251213 | UNITED OF OMAHA LIFE INSURANCE COMPANY (BROOKVILLE) | $2K | — | $2K | 10.00% |
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 | 2,567 | 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) | 2,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(4 contracts, 4 carriers) | VISION BENEFITS OF AMERICA (DUBOIS) | 1,616 | $441K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY (DUBOIS) | 1,953 | $303K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY (DUBOIS) | 1,953 | $660K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY (ELK) | 390 | $79K |
| Other(6 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,953 | $566K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,953 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.