| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES, LLC | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.80% |
| DUNN FINANCIAL INC3 Filed as: DUNN FINANCIAL, INC. | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $773 | $0 | $773 | 4.40% |
| DEBRA L CARL3 Filed as: DEBRA CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $608 | $0 | $608 | 3.46% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | $0 | $266 | 1.51% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | $0 | $163 | 0.93% |
| DEBRA L CARL3 Filed as: DEBRA LOU CARL | PO BOX 111 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | $0 | $142 | 0.81% |
| FRED A REEDER3 | 380 E. MAIN STREET LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | $0 | $64 | 0.36% |
| JIM BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.21% |
| SAMUEL CLAIR GRENINGER JR3 | 1484 GERMAN ROAD LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES | 380 E. MAIN STREET LOCK HAVEN, PA 17745 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.50% |
| INSURANCE COALITION3 Filed as: INSURANCE COALITION INC. | 417 WALNUT STREET HARRISBURG, PA 17101 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.08% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 147 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 49 | $27K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 137 | $11K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 137 | $11K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 42 | $17K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 137 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.