| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 N SHORE DRIVE PITTSBURGH, PA 15212 | UNITED HEALTHCARE | $5K | — | $5K | 0.24% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AMERICAN UNITED LIFE INSURANCE | $22K | — | $22K | 13.62% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AXIS INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| AEGIS GENERAL INSURANCE AGENCY3 Filed as: AEGIS GENERAL INSURANCE COMPANY | 4507 NORTH FRONT STREET HARRISBURG, PA 17110 | AXIS INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE | $9K | — | $9K | — |
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 | 342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE | 342 | $2.3M |
| Dental | UNITED HEALTHCARE | 342 | $2.3M |
| Vision | UNITED HEALTHCARE | 342 | $2.3M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE | 331 | $165K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE | 331 | $165K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE | 331 | $165K |
| Prescription drug | UNITED HEALTHCARE | 342 | $2.3M |
| Other | AXIS INSURANCE COMPANY | 74 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.