| 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 | $414 | $3K | 10.94% |
| 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 | $45 | — | $45 | 0.15% |
| DUNN FINANCIAL INC3 | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 21.20% |
| DEBRA L CARL3 Filed as: DEBRA LOU CARL | PO BOX 111 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 17.89% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.44% |
| FRED A REEDER3 | 380 E MAIN ST LOCKHAVEN, PA 177451444 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $877 | — | $877 | 5.46% |
| JIM BROOKS3 | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $508 | — | $508 | 3.16% |
| R & B INSURANCE SERVICES LLC3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| 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% |
| DUNN FINANCIAL INC3 | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 15.86% |
| DEBRA L CARL3 Filed as: DEBRA LOU CARL | PO BOX 111 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 13.17% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 8.18% |
| FRED A REEDER3 | 380 E MAIN ST LOCKHAVEN, PA 177451444 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 4.48% |
| JIM BROOKS3 | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 2.17% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK INC | 89 | $909K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 55 | $30K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $11K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $11K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 41 | $32K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 129 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.