| 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 | 4.37% |
| BARR'S INSURANCE3 | 257 SENECA STREET PO BOX 294 OIL CITY, PA 16301 | UPMC HEALTH OPTIONS | $22K | — | $22K | 4.47% |
| BARR'S INSURANCE3 | 257 SENECA STREET PO BOX 294 OIL CITY, PA 16301 | UPMC HEALTH OPTIONS | $4K | — | $4K | 4.06% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $8K | $16K | 18.03% |
| BNYU LLC3 | 315 GREEN RIDGE ROAD H-1 NEW CASTLE, PA 16105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $809 | — | $809 | 0.92% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | 902 SOUTH CENTER STREET PO BOX 976 GROVE CITY, PA 16127 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $327 | — | $327 | 0.37% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 11.02% |
| TYLER AULT3 | 315 GREEN RIDGE DRIVE SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.87% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $839 | — | $839 | 2.87% |
| BRIAN D RALPH3 | 689 N HERMITAGE ROAD HERMITAGE, PA 16148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $274 | — | $274 | 0.94% |
| JONATHAN REES3 | 3309 LIBERTY STREET SUITE 1188 ERIE, PA 16508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.16% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 53 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $88K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $88K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $88K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 69 | $78K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 69 | $29K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.