| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AMERICAN UNITED LIFE INSURANCE COMPANY | $22K | $3K | $25K | 15.48% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | HIGHMARK, INC. | $10K | — | $10K | 10.20% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AXIS INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| AEGIS GENERAL INSURANCE AGENCY3 | 4507 N FRONT STREET STE 200 HARRISBURG, PA 17110 | AXIS INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE STE 300 PITTSBURGH, PA 15212 | HIGHMARK, INC. | $2K | — | $2K | 10.07% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES LLC | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $950 | — | $950 | 5.85% |
| SHEEHAN CULLEN LEONARD3 | 413 S LOGAN BLVD STE 2 ALTOONA, PA 16002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $532 | — | $532 | 3.28% |
| JOSEPH A REEDER3 | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $357 | — | $357 | 2.20% |
| BROOKS CONSULTANTS INC3 Filed as: BROOKS CONSULTANTS, INC. | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 1.47% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 1.47% |
| CORMAC FINANCIAL SVCS INC.3 | 1381 OLD RTE 220 N STE 8 MEADOWS PLAZA DUNCANSVILLE, PA 16635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | — | $107 | 0.66% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES LLC | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443 | — | $443 | 4.83% |
| SHEEHAN CULLEN LEONARD3 | 413 S LOGAN BLVD STE 2 ALTOONA, PA 16002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $240 | — | $240 | 2.62% |
| JOSEPH A REEDER3 | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 1.68% |
| BROOKS CONSULTANTS INC3 Filed as: BROOKS CONSULTANTS, INC. | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 1.18% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 1.18% |
| CORMAC FINANCIAL SVCS INC.3 | 1381 OLD RTE 220 N STE 8 MEADOWS PLAZA DUNCANSVILLE, PA 16635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.48% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES LLC | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $276 | — | $276 | 5.19% |
| SHEEHAN CULLEN LEONARD3 | 413 S LOGAN BLVD STE 2 ALTOONA, PA 16002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 2.54% |
| JOSEPH A REEDER3 | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 1.20% |
| BROOKS CONSULTANTS INC3 Filed as: BROOKS CONSULTANTS, INC. | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 1.15% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 1.15% |
| CORMAC FINANCIAL SVCS INC.3 | 1381 OLD RTE 220 N STE 8 MEADOWS PLAZA DUNCANSVILLE, PA 16635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.51% |
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 | 337 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 309 | $1.5M |
| Dental | HIGHMARK, INC. | 286 | $101K |
| Vision | HIGHMARK, INC. | 282 | $22K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 337 | $164K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 337 | $164K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 337 | $164K |
| Prescription drug | HIGHMARK, INC. | 295 | $708K |
| Other(5 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 337 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.