| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK INC. | $40K | $0 | $40K | 3.28% |
| KIMMON R GUSEMAN3 Filed as: KIMMON R. GUSEMAN | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | AFLAC | $5K | $0 | $5K | 5.61% |
| ANDREA STEARNS3 Filed as: ANDREA STEARNS AND OTHER AGENTS | 501 HOLIDAY DRIVE FOSTER PLAZA A, SUITE 120 PITTSBURGH, PA 15220 | AFLAC | $1K | $0 | $1K | 1.49% |
| JAMES BRADLEY SEIFERT3 Filed as: JAMES BRADLY SEIFERT | 157 MCCOY PLACE ROAD SEWICKLEY, PA 15143 | AFLAC | $900 | $0 | $900 | 0.99% |
| GREG GUSEMAN3 | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | AFLAC | $784 | $0 | $784 | 0.86% |
| MELISSA R FEATHER3 Filed as: MELISSA R. FEATHER | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $311 | $0 | $311 | 0.34% |
| THOMAS R. COLEBANK3 | 322 FAIRVIEW AVENUE MASONTOWN, PA 15461 | AFLAC | $288 | $0 | $288 | 0.32% |
| JONATHAN D FEATHER3 | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $230 | $0 | $230 | 0.25% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN TYRONE, PA 16686 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| KIMMON R GUSEMAN3 Filed as: KIMMON R. GUSEMAN | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 12.54% |
| GREGORY GUSEMAN3 | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 5.14% |
| SHARI JEAN WALKER3 | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $336 | $76 | $412 | 0.80% |
| THOMAS R. COLEBANK3 | 322 FAIRVIEW AVENUE MASONTOWN, PA 15461 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | $0 | $266 | 0.51% |
| BRETT WILLIAM WORKMAN3 | 14 SUSAN LANE LEMONT FURNACE, PA 15456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $0 | $239 | 0.46% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| ASHLEY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 1051 SHILOH ROAD STATE COLLEGE, PA 16801 | VISION BENEFITS OF AMERICA | $922 | $0 | $922 | 5.00% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 155 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 320 | $63K |
| Vision(3 contracts, 2 carriers) | AFLAC | 161 | $109K |
| Life insurance(2 contracts) | AFLAC | 63 | $91K |
| Short-term disability(2 contracts) | AFLAC | 63 | $91K |
| Long-term disability(2 contracts) | AFLAC | 63 | $91K |
| Prescription drug | HIGHMARK INC. | 155 | $1.2M |
| Other(3 contracts, 2 carriers) | AFLAC | 200 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.