| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR INC | 27 N 6TH ST INDIANA, PA 15701 | ANTHEM INSURANCE COMPANIES, INC | $87K | $0 | $87K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM INSURANCE COMPANIES, INC | $8K | $0 | $8K | 0.13% |
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR INC | 27 N 6TH ST INDIANA, PA 15701 | PRINCIPAL LIFE INSURANCE COMPANY | $42K | $0 | $42K | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 111 N CANAL ST, STE 550 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.14% |
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR INC | 27 N 6TH ST INDIANA, PA 15701 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 1.11% |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC | 854 | $6.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 950 | $940K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 950 | $940K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 950 | $940K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 950 | $940K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 950 | $940K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 950 | $940K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.