| 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 | $14K | $36K | 21.90% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE FLOOR 30 PITTSBURGH, PA 15222 | HIGHMARK, INC. | $10K | — | $10K | 10.05% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AXIS INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| AEGIS GENERAL INSURANCE AGENCY3 | 4507 N FRONT STREET STE 200 HARRISBURG, PA 17110 | AXIS INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE FLOOR 30 PITTSBURGH, PA 15222 | HIGHMARK, INC. | $2K | — | $2K | 10.04% |
| 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 | $1K | — | $1K | 8.21% |
| SHEEHAN CULLEN LEONARD3 | 413 S LOGAN BLVD STE 2 ALTOONA, PA 16002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $804 | — | $804 | 4.52% |
| JOSEPH A REEDER3 | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $482 | — | $482 | 2.71% |
| BROOKS CONSULTANTS INC3 Filed as: BROOKS CONSULTANTS, INC. | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $353 | — | $353 | 1.98% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $353 | — | $353 | 1.98% |
| CORMAC FINANCIAL SVCS INC.3 | 1381 OLD RTE 220 N STE 8 MEADOWS PLAZA DUNCANSVILLE, PA 16635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $165 | — | $165 | 0.93% |
| 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 | $1K | — | $1K | 9.64% |
| SHEEHAN CULLEN LEONARD3 | 413 S LOGAN BLVD STE 2 ALTOONA, PA 16002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $715 | — | $715 | 5.94% |
| JOSEPH A REEDER3 | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $472 | — | $472 | 3.92% |
| BROOKS CONSULTANTS INC3 Filed as: BROOKS CONSULTANTS, INC. | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | — | $303 | 2.52% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | — | $303 | 2.52% |
| CORMAC FINANCIAL SVCS INC.3 | 1381 OLD RTE 220 N STE 8 MEADOWS PLAZA DUNCANSVILLE, PA 16635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | 1.15% |
| 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 | $591 | — | $591 | 8.04% |
| SHEEHAN CULLEN LEONARD3 | 413 S LOGAN BLVD STE 2 ALTOONA, PA 16002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | — | $303 | 4.12% |
| JOSEPH A REEDER3 | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 2.16% |
| BROOKS CONSULTANTS INC3 Filed as: BROOKS CONSULTANTS, INC. | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $130 | — | $130 | 1.77% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 200 WOODWARD AVE STE B LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $130 | — | $130 | 1.77% |
| CORMAC FINANCIAL SVCS INC.3 | 1381 OLD RTE 220 N STE 8 MEADOWS PLAZA DUNCANSVILLE, PA 16635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.83% |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 328 | $1.7M |
| Dental | HIGHMARK, INC. | 290 | $103K |
| Vision | HIGHMARK, INC. | 314 | $25K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 325 | $164K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 325 | $164K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 325 | $164K |
| Prescription drug | HIGHMARK, INC. | 316 | $488K |
| Other(5 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 325 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.