| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | AMERICAN UNITED LIFE INSURANCE COMPANY | $27K | $17K | $44K | 10.49% |
| KARSTEN MEIER3 | 2929 GETTYSBURG ROAD, SUITE 5 CAMP HILL, PA 17011 | AMERICAN UNITED LIFE INSURANCE COMPANY | $34K | $9K | $43K | 10.17% |
| KARSTEN MEIER3 | 2929 GETTYSBURG ROAD, SUITE 5 CAMP HILL, PA 17011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.12% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $775 | — | $775 | 1.54% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $648 | — | $648 | 1.29% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $485 | — | $485 | 0.97% |
| JIM BROOKS3 | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $177 | — | $177 | 0.35% |
| KARSTEN MEIER3 | 2929 GETTYSBURG ROAD, SUITE 5 CAMP HILL, PA 17011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.91% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.59% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 0.37% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150 | — | $150 | 0.30% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 0.23% |
| JIM BROOKS3 | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.08% |
| 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 | $1 | — | $1 | 0.00% |
| KARSTEN MEIER3 | 2929 GETTYSBURG ROAD, SUITE 5 CAMP HILL, PA 17011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.70% |
| U R L INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.61% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.44% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.36% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.26% |
| JIM BROOKS3 | 101 COPPER BEACH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.10% |
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 | 1,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 315 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 1,714 | $131K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,448 | $422K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,448 | $422K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,448 | $422K |
| Other(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,448 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,714 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.