| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 444 LIBERTY AVENUE, SUITE 805 PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY | $3K | $37K | $40K | 3.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 210 INDUSTRIAL PARK ROAD JOHNSTOWN, PA 15904 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.29% |
| RICHARD D BRYER3 Filed as: RICHARD D. BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $63 | $2K | 5.07% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $45 | $1K | 3.52% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP, INC. | 891 MENOHER BOULEVARD JOHNSTOWN, PA 15905 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.41% |
| MJ INSURANCE3 Filed as: ASHLEY ELCOCK AND VARIOUS AGENTS | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $836 | $41 | $877 | 2.34% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $368 | — | $368 | 0.98% |
| JJAN FINANCIAL3 Filed as: THE JJAN FINANCIAL GROUP INC. | PO BOX 197 HOLIDAYSBURG, PA 16648 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 0.59% |
| RICHARD F DURR3 Filed as: RICHARD F. DURR | 159 COOK ROAD DUBOIS, PA 15801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 0.55% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 457 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 457 | $1.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 457 | $1.3M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 188 | $46K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 457 | $1.3M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 188 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.