| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK INC. | $36K | — | $36K | 3.00% |
| KIMMON R GUSEMAN3 | 47 EAST FAYETTE STREET UNIONTOWN, PA 15401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 9.87% |
| DAVID RUSSELL3 | 228 CAROL DRIVE NEW ALEXANDRIA, PA 15670 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $542 | $19 | $561 | 0.86% |
| SHARI JEAN WALKER3 | 531 SCOTTDALE AVENUE SCOTTDALE, PA 15683 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $363 | $0 | $363 | 0.55% |
| GREGORY GUSEMAN3 | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $317 | $0 | $317 | 0.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 23466 VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 2.52% |
| MTIS GROUP INC3 | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.94% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.69% |
| R & B INSURANCE SERVICES LLC3 | 380 EAST MAIN STREET LOCK HAVEN, PA 17745 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $789 | — | $789 | 2.03% |
| KIMMEL GROUP IHNC3 | 309 BRAESWICK DRIVE LAKE SAINT LOUIS, MO 63367 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $243 | $0 | $243 | 0.63% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $1K | $7K | 22.23% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 26.89% |
| SHEEHAN CULLEN LEONARD3 | 413 SOUTH LOGAN BOULEVARD SUITE 2 ALTOONA, PA 16002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.00% |
| BROOKS CONSULTANTS INC3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $841 | $0 | $841 | 4.71% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $841 | $0 | $841 | 4.71% |
| CORMAC FINANCIAL SVCS INC.3 Filed as: CORMAC FINANCIAL SERVICES INC | 1381 OLD ROUTE 200 NORTH SUITE 8 DUNCANSVILLE, PA 16635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250 | $0 | $250 | 1.40% |
| KIMMON R GUSEMAN3 | 47 EAST FAYETTE STREET UNIONTOWN, PA 15401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $933 | $0 | $933 | 5.74% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE SUITE E WHITE PLAINS, NY 10604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $728 | $6 | $734 | 4.51% |
| GREGORY GUSEMAN3 | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.33% |
| SHARI JEAN WALKER3 | 531 SCOTTDALE AVENUE SCOTTDALE, PA 15683 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.08% |
| RESCHINI AGENCY INC3 | PO BOX 449 INDIANA, PA 15701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.05% |
| DAVID RUSSELL3 | 228 CAROL DRIVE NEW ALEXANDRIA, PA 15670 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 1051 SHILOH ROAD STATE COLLEGE, PA 16801 | VISION BENEFITS OF AMERICA | $804 | $0 | $804 | 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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 234 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 262 | $56K |
| Vision | VISION BENEFITS OF AMERICA | 152 | $16K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 194 | $32K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 194 | $32K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 194 | $32K |
| Prescription drug | HIGHMARK INC. | 234 | $1.2M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 194 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
No prospect flags tripped on this filing.