| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD H-1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.72% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLIES 6TH FLOOR PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $160 | — | $160 | 0.58% |
| CARL DEBRA LU3 Filed as: CARL INSURANCE AGENCY LLC | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $882 | — | $882 | 5.33% |
| HENRY DUNN INC3 | 317 MAIN STREET, PO BOX 109 TOWANDA, PA 18848 | AFLAC | $775 | — | $775 | 4.68% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $514 | — | $514 | 3.11% |
| JOSEPH B MCGINTY JR3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $323 | — | $323 | 1.95% |
| JEFFREY CHUBB3 | 520 W 4TH ST STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $269 | — | $269 | 1.63% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | AFLAC | $130 | — | $130 | 0.79% |
| ORNAN D. CARL3 Filed as: ORNAN D CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $93 | — | $93 | 0.56% |
| DAVID W VARNER3 | 507 KANE ST S WILLIAMSPORT, PA 17702 | AFLAC | $90 | — | $90 | 0.54% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $87 | — | $87 | 0.53% |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $29 | — | $29 | 0.18% |
| TERESA L FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | AFLAC | $20 | — | $20 | 0.12% |
| GEARY L WALIZER3 | PO BOX 946 LOCK HAVEN, PA 17745 | AFLAC | $20 | — | $20 | 0.12% |
| VICKI J VELTRI3 | 1175 BALKAN DR PITTSBURGH, PA 15239 | AFLAC | $18 | — | $18 | 0.11% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $16 | — | $16 | 0.10% |
| TERESA L FOUTZ3 | 120 MARGUERITE DR STE 100 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $14 | — | $14 | 0.08% |
| DIVERSIFIED SOLUTIONS GROUP INC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $9 | — | $9 | 0.05% |
| TIMOTHY E BURKE3 | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $9 | — | $9 | 0.05% |
| FRED A REEDER3 | 380 E MAIN STREET LOCK HAVEN, PA 17745 | AFLAC | $8 | — | $8 | 0.05% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $7 | — | $7 | 0.04% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $6 | — | $6 | 0.04% |
| JAMES I IDDINGS SR3 | PO BOX 338 WYALUSING, PA 18853 | AFLAC | $6 | — | $6 | 0.04% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $3 | — | $3 | 0.02% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT. GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.01% |
| BLACK ROK BENEFIT ALLIANCE LLC3 | PO BOX 211 YOUNGWOOD, PA 15697 | AFLAC | $1 | — | $1 | 0.01% |
| FIRST SAVINGS FINANCIAL SVCS INC3 | 2 WALNUT ST DANVILLE, PA 17821 | AFLAC | $0 | — | $0 | 0.00% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $3K | $10 | $3K | 22.57% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $964K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 57 | $44K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $948K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $948K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 35 | $31K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $948K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.