| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SVCS AGENCY | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | ANTHEM INSURANCE COMPANIES, INC. | $27K | $0 | $27K | 1.45% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 150 NORTH WACKER DRIVE, SUITE 1900 CHICAGO, IL 60606 | ANTHEM INSURANCE COMPANIES, INC. | $9K | $0 | $9K | 0.48% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $0 | $4K | 0.19% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.86% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BNFTS GROUP, LLC | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.09% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BNFTS GROUP, LLC | 150 NORTH WACKER DRIVE, SUITE 1900 CHICAGO, IL 60606 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.44% |
| MARY P KING3 Filed as: MARY P. KING | 255 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $5K | $166 | $5K | 10.42% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $1K | $43 | $1K | 2.85% |
| MJ INSURANCE3 Filed as: BILLY M. CRAIN AND VARIOUS AGENTS | 1026 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $956 | $43 | $999 | 2.19% |
| BRINNALYN K BISH3 Filed as: BRINNALYN K. BISH | 357 OLEAN ROAD CORSICA, PA 15829 | AFLAC | $977 | $0 | $977 | 2.14% |
| AMANDA STEIN3 | 1277 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $660 | $0 | $660 | 1.44% |
| KAREN S NOSKER3 Filed as: KAREN S. NOSKER | 1037 BELL RUN ROAD REYNOLDSVILLE, PA 15851 | AFLAC | $263 | $49 | $312 | 0.68% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY R. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $248 | $0 | $248 | 0.54% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $248 | $0 | $248 | 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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 337 | $1.9M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 337 | $1.9M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 337 | $1.9M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 254 | $75K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 254 | $75K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 337 | $1.9M |
| Other(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 263 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.