| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $34K | $49K | 4.38% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY FINANCIAL CO., INC. | 100 MEADOW LANE, SUITE 1 DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $0 | $43K | 3.87% |
| GARY M. KLOBCHAR3 | UNKNOWN DUBOIS, PA 15801 | AMERICAN UNITED LIFE INSURANCE COMPANY | $40K | $0 | $40K | 17.00% |
| BENEFIT ADVISORS SERVICES3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $3K | $16K | 10.80% |
| NICKLAS INSURANCE AGENCY INC3 Filed as: NICKLAS INSURANCE AGENCY, INC. | 101 MADISON STREET SAINT MARYS, PA 15857 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $906 | $3K | 6.49% |
| BROOKVILLE INSURANCE AGENCY3 Filed as: BROOKVILLE INS. AGENCY, INC. | 132 MAIN STREET BROOKVILLE, PA 15825 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.03% |
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 | 2,069 | 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) | 2,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 2,536 | $464K |
| Life insurance(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,069 | $1.3M |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,069 | $1.3M |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,069 | $1.5M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,069 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,536 | — |
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.