| 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 | $2K | $5K | 15.99% |
| 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 | $46 | — | $46 | 0.15% |
| DUNN FINANCIAL INC3 | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.11% |
| DEBRA L CARL3 Filed as: DEBRA LOU CARL | PO BOX 111 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.04% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $515 | — | $515 | 2.97% |
| FRED A REEDER3 | 380 E MAIN ST LOCKHAVEN, PA 177451444 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $348 | — | $348 | 2.00% |
| JIM BROOKS3 | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 0.90% |
| R & B INSURANCE SERVICES LLC3 | 380 E MAIN ST LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.35% |
| DEBRA L CARL3 Filed as: DEBRA CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.13% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $3K | $10 | $3K | 20.72% |
| DUNN FINANCIAL INC3 | 317 MAIN STREET PO BOX 109 TOWANDA, PA 18848 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 7.52% |
| DEBRA L CARL3 Filed as: DEBRA LOU CARL | PO BOX 111 SUNBURY, PA 17801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 6.64% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 3.32% |
| FRED A REEDER3 | 380 E MAIN ST LOCKHAVEN, PA 177451444 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 1.99% |
| JIM BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.88% |
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 | 125 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK INC | 90 | $938K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 53 | $31K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $13K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $13K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 51 | $35K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 119 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.