| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 | 150 NORTH WACKER DRIVE, SUITE 1900 CHICAGO, IL 60606 | ANTHEM LIFE INSURANCE COMPANY | $23K | $0 | $23K | 5.96% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 JACKSON DRIVE, SUITE 500 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 17.29% |
| MARY P KING3 Filed as: MARY P. KING | 255 TREASURE LAKE DUBOIS, PA 15801 | AFLAC | $4K | $125 | $5K | 12.48% |
| PEGGY LYNN STORMER3 | 244 MCANINCH ROAD BROOKVILLE, PA 15825 | AFLAC | $1K | $29 | $1K | 2.84% |
| AMANDA STEIN3 | 1277 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $824 | $29 | $853 | 2.31% |
| BRINNALYN K BISH3 Filed as: BRINNALYN K. BISH | 357 OLEAN ROAD CORSICA, PA 15829 | AFLAC | $576 | $11 | $587 | 1.59% |
| MJ INSURANCE3 Filed as: BILLY M. CRAIN AND VARIOUS AGENTS | 1026 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $538 | $0 | $538 | 1.46% |
| JERRY R CROASMAN3 Filed as: JERRY R. CROASMAN | 1056 PIKE ROAD PUNXSUTAWNEY, PA 15767 | AFLAC | $175 | $0 | $175 | 0.47% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY R. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $172 | $0 | $172 | 0.47% |
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 | 785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 1,139 | $81K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,039 | $394K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,039 | $394K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,039 | $394K |
| Other(5 contracts, 5 carriers) | ANTHEM LIFE INSURANCE COMPANY | 1,039 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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.