| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KARSTEN MEIER3 | 2929 GETTYSBURG ROAD, SUITE 5 CAMP HILL, PA 17011 | AMERICAN UNITED LIFE INSURANCE COMPANY | $31K | $10K | $41K | 11.80% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | AMERICAN UNITED LIFE INSURANCE COMPANY | $19K | $14K | $33K | 9.38% |
| KARSTEN MEIER3 | 2929 GETTYSBURG ROAD, SUITE 5 CAMP HILL, PA 17011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 10.55% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.20% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $862 | — | $862 | 1.59% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $708 | — | $708 | 1.30% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $541 | — | $541 | 1.00% |
| JIM BROOKS3 | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 0.37% |
| ROBYN PIPER3 Filed as: ROBYN LEIGH PIPER C/O PIPER JORDAN | 2300 W SAHARA AVE, STE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 0.25% |
| KARSTEN MEIER3 | 2929 GETTYSBURG ROAD, SUITE 5 CAMP HILL, PA 17011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.84% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.62% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $762 | — | $762 | 1.78% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $637 | — | $637 | 1.49% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $472 | — | $472 | 1.10% |
| JIM BROOKS3 | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $173 | — | $173 | 0.40% |
| KARSTEN MEIER3 | 2929 GETTYSBURG ROAD, SUITE 5 CAMP HILL, PA 17011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.94% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.99% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $619 | — | $619 | 1.94% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $509 | — | $509 | 1.60% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $367 | — | $367 | 1.15% |
| JIM BROOKS3 | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 0.43% |
| ROBYN PIPER3 Filed as: ROBYN LEIGH PIPER C/O PIPER JORDAN | 2300 W SAHARA AVE, STE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 100.00% |
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 | 1,318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 429 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 1,810 | $126K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,600 | $349K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,600 | $348K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,600 | $348K |
| Other(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,600 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,810 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.