| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED AMERICAN FINANCIAL SERVICES3 | 4444 MARKET ST YOUNGSTOWN, OH 44512 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $125K | $125K | 2.88% |
| GILBERT INSURANCE AGENCY INC3 Filed as: GILBERT'S RISK SOLUTIONS | 30 E STATE STREET SHARON, PA 16146 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 2.24% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD STE H1 NEW CASTLE, PA 16105 | AMERICAN UNITED LIFE INSURANCE COMPANY | $33K | $16K | $49K | 18.49% |
| GILBERT INSURANCE AGENCY INC3 Filed as: GILBERT'S INSURANCE AGENCY INC | 30 E STATE STREET SHARON, PA 16146 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 3.00% |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 682 | $4.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 439 | $265K |
| Vision | VISION BENEFITS OF AMERICA | 432 | $70K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 517 | $264K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 517 | $264K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 517 | $264K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 517 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.