| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK INC. | $35K | $0 | $35K | 3.00% |
| KIMMON R GUSEMAN3 Filed as: KIMMON R. GUSEMAN | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $2K | $20K | 19.97% |
| GREGORY GUSEMAN3 | 48 NICKMAN PLAZA LEMONT FURNANCE, PA 15456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 4.93% |
| DAVID RUSSELL3 | 228 CAROL DRIVE NEW ALEXANDRIA, PA 15670 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $105 | $4K | 4.31% |
| SHARI JEAN WALKER3 | 149 SAINT CLAIR STREET MOUNT PLEASANT, PA 15666 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.43% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY INC. | PO BOX 449 INDIANA, PA 15701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.03% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| ASHLY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 3.01% |
| USI INSURANCE SERVICES LLC3 | 1051 SHILOH ROAD STATE COLLEGE, PA 16801 | VISION BENEFITS OF AMERICA | $773 | $0 | $773 | 5.00% |
| KIMMON R GUSEMAN3 Filed as: KIMMON GUSEMAN | 47 EAST FAYETTE STREET, UNIT 259 UNIONTOWN, PA 15401 | AFLAC | $729 | $0 | $729 | 5.50% |
| MJ INSURANCE3 Filed as: MARIA BENNETTI AND VARIOUS AGENTS | 2001 BELLMEADE DRIVE ALTOONA, PA 16602 | AFLAC | $207 | $0 | $207 | 1.56% |
| JAMES B. SEIFERT3 Filed as: JAMES SEIFERT | 157 MCCOY PLACE ROAD SEWICKLEY, PA 15143 | AFLAC | $129 | $0 | $129 | 0.97% |
| GREGORY GUSEMAN3 | 48 NICKMAN PLAZA LEMONT FURNANCE, PA 15456 | AFLAC | $112 | $0 | $112 | 0.85% |
| MELISSA R FEATHER3 Filed as: MELISSA FEATHER | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $57 | $0 | $57 | 0.43% |
| THOMAS R. COLEBANK3 Filed as: THOMAS COLEBANK | 322 FAIRVIEW AVENUE MASONTOWN, PA 15461 | AFLAC | $50 | $0 | $50 | 0.38% |
| JONATHAN D FEATHER3 Filed as: JONATHAN FEATHER | 10940 WILLIAM PENN ROAD IMLER, PA 16655 | AFLAC | $43 | $0 | $43 | 0.32% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 230 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 300 | $57K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 149 | $29K |
| Life insurance | AFLAC | 57 | $13K |
| Short-term disability | AFLAC | 57 | $13K |
| Long-term disability | AFLAC | 57 | $13K |
| Prescription drug | HIGHMARK INC. | 230 | $1.2M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 185 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.