| 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 | $28K | — | $28K | 3.68% |
| BARR'S INSURANCE3 | 257 SENECA STREET PO BOX 294 OIL CITY, PA 16301 | UPMC HEALTH OPTIONS | $27K | — | $27K | 3.98% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $16K | 14.46% |
| 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 | $3K | — | $3K | 3.57% |
| TYLER AULT3 | 315 GREEN RIDGE DRIVE SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.44% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.78% |
| BRIAN D RALPH3 | 689 N HERMITAGE ROAD HERMITAGE, PA 16148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $749 | — | $749 | 1.74% |
| JONATHAN REES3 | 3309 LIBERTY STREET SUITE 1188 ERIE, PA 16508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | — | $142 | 0.33% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $6K | $16 | $6K | 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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 130 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $110K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $110K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $110K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 67 | $69K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 67 | $43K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.