| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARR'S INSURANCE3 | 257 SENECA STREET PO BOX 294 OIL CITY, PA 16301 | UPMC HEALTH OPTIONS | $26K | — | $26K | 3.68% |
| BARR'S INSURANCE3 | 257 SENECA STREET PO BOX 294 OIL CITY, PA 16301 | UPMC HEALTH OPTIONS | $23K | — | $23K | 3.67% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 315 GREEN RIDGE ROAD H-1 NEW CASTLE, PA 16105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.71% |
| BNYU LLC3 | 315 GREEN RIDGE ROAD H-1 NEW CASTLE, PA 16105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.00% |
| BARR'S INSURANCE3 | 257 SENECA STREET PO BOX 294 OIL CITY, PA 16301 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.28% |
| TYLER AULT3 | 315 GREEN RIDGE DRIVE SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 26.10% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 14.92% |
| BRIAN D RALPH3 | 689 N HERMITAGE ROAD HERMITAGE, PA 16148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.92% |
| JONATHAN REES3 | 3309 LIBERTY STREET SUITE 1188 ERIE, PA 16508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $555 | — | $555 | 1.18% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $7K | $16 | $7K | 22.55% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 | 902 SOUTH CENTER STREET GROVE CITY, PA 16127 | AMERICAN UNITED LIFE INSURANCE COMPANY | $418 | — | $418 | 10.00% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 132 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $114K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $114K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $119K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 99 | $80K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 99 | $47K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.