| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY DUNN INC3 | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | HIGHMARK, INC. | $22K | — | $22K | 2.12% |
| SECOR, JOHN3 | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | HIGHMARK, INC. | $16K | — | $16K | 1.54% |
| 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 | $536 | $3K | 9.54% |
| 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 | 13.51% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 6.76% |
| HENRY DUNN INC3 | 317 MAIN ST TOWANDA, PA 188481805 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.28% |
| DUNN FINANCIAL INC3 Filed as: DUNN FINANCIAL, INC. | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $630 | — | $630 | 5.25% |
| DEBRA L CARL3 Filed as: DEBRA CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $522 | — | $522 | 4.35% |
| R & B INSURANCE SERVICES LLC3 | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $197 | — | $197 | 1.64% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 1.27% |
| CARL DEBRA LU3 | PO BOX 111 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.70% |
| REEDER INS LLC3 Filed as: REEDER FRED A | 209 WOODWARD AVE LOCK HAVEN, PA 177451716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.49% |
| JIM BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.31% |
| GRENNINGER JR SAMUEL CLAIR3 | 1484 GERMAN ROAD LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 138 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $28K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $23K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 49 | $23K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
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.