| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY DUNN INC3 | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | HIGHMARK, INC. | $31K | — | $31K | 3.07% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES, LLC | 209 WOODWARD AVE SUITE B LOCK HAVEN, PA 17745 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.83% |
| HENRY DUNN INC3 | 317 MAIN ST TOWANDA, PA 188481805 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $583 | $3K | 13.94% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES | 380 E. MAIN STREET LOCK HAVEN, PA 17745 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| DUNN FINANCIAL INC3 Filed as: DUNN FINANCIAL, INC. | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $800 | — | $800 | 4.30% |
| DEBRA L CARL3 Filed as: DEBRA CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $650 | — | $650 | 3.49% |
| R & B INSURANCE SERVICES LLC3 | 200 WOODWORD AVE SUITE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $290 | — | $290 | 1.56% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 0.89% |
| CARL DEBRA LU3 | PO BOX 111 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.43% |
| REEDER INS LLC3 Filed as: REEDER FRED A | 200 WOODWARD AVE SUITE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.33% |
| GRENNINGER JR SAMUEL CLAIR3 | 1484 GERMAN ROAD LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.24% |
| JIM BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.20% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 124 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 44 | $26K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $24K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 47 | $20K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.