| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVE SUITE 3700 NEW YORK CITY, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $25K | $35K | 3.10% |
| SWIFT KENNEDY FINANCIAL CO INC3 Filed as: SWIFT KENNEDY FINANCIAL | 100 MEADOW LANE SUITE 1 DUBOIS, PA 15801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 2.65% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 1.67% |
| GARY M. KLOBCHAR3 | 4104 CORK BOCKTOWN ROAD CLINTON, PA 15026 | AMERICAN UNITED LIFE | $21K | — | $21K | 8.63% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILLY STREET INDIANA, PA 15701 | AMERICAN UNITED LIFE | $10K | — | $10K | 4.18% |
| BAS3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $3K | $15K | 10.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID INC | 1787 SENTRY PARKWAY W STE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $799 | $2K | 4.59% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA NICKLAS INS AGENCY | 101 MADISON STREET ST. MARYS, PA 15857 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.58% |
| NICKLAS INSURANCE AGENCY INC3 Filed as: NICKLAS INS AGENCY | 101 MADISON STREET STMARYS, PA 15857 | PRINCIPAL LIFE INSURANCE COMPANY | $398 | — | $398 | 0.76% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | PRINCIPAL LIFE INSURANCE COMPANY | $384 | — | $384 | 0.74% |
| BROOKVILLE INSURANCE AGENCY3 Filed as: BROOKVILLE INS | 132 MAIN STREET BROOKVILLE, PA 15825 | UNITED OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.41% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI INSURANCE AGENCY | 922 PHILADELPHIA STREET INDIANA, PA 15701 | UNITED OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.68% |
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 | 2,898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 2,231 | $426K |
| Life insurance(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,029 | $1.4M |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,029 | $1.3M |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,029 | $1.5M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,029 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,231 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.