| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | P.O. BOX 203417 DALLAS, TX 753203417 | UNITEDHEATHCARE INSURANCE COMPANY | $26K | — | $26K | 3.81% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD, SUITE H1 NEW CASTLE, PA 16105 | SYMETRA FINANCIAL | $16K | — | $16K | 8.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 444 LIBERTY AVE FLR 15 PITTSBURGH, PA 15222 | SYMETRA FINANCIAL | $2K | — | $2K | 0.83% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC. | 525 N TRYON ST, STE 1800 CHARLOTTE, NC 28202 | SYMETRA FINANCIAL | $770 | — | $770 | 0.42% |
| GEORGE WILLIAMS Filed as: GEORGE LOWNDES WILLIAMS II | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | ALLSTATE BENEFITS | $32K | — | $32K | 26.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | P.O. BOX 203491 DALLAS, TX 753203516 | ALLSTATE BENEFITS | $24K | — | $24K | 20.28% |
| GEORGE L. WILLIAMS II3 | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE BENEFITS | $9K | — | $9K | 7.09% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 6115 PARK SOUTH DR, SUITE 330 CHARLOTTE, NC 28210 | ALLSTATE BENEFITS | $4K | — | $4K | 3.34% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE BENEFITS | $3K | — | $3K | 2.16% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | P.O. BOX 1060 GETTYSBURG, PA 17325 | ALLSTATE BENEFITS | $67 | — | $67 | 0.06% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 1010 OHIO RIVER BLVD PITTSBURGH, PA 15202 | ALLSTATE BENEFITS | $61 | — | $61 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | P.O. BOX 203491 DALLAS, TX 753203516 | DELTA DENTAL OF PENNSYLVANIA | $15K | — | $15K | 15.00% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | ONEAMERICA (AMERICAN UNITED LIFE INSURANCE COMPANY) | $9K | — | $9K | 14.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | P.O. BOX 203491 DALLAS, TX 753203516 | ONEAMERICA (AMERICAN UNITED LIFE INSURANCE COMPANY) | $4K | — | $4K | 6.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 301 SOUTH COLLEGE ST - 19TH FL CHARLOTTE, NC 28202 | VISION SERVICES PLAN | $3K | — | $3K | 8.18% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 444 LIBERTY AVE FL 15 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $609 | — | $609 | 2.60% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 444 LIBERTY AVE FL 15 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $189 | — | $189 | 3.91% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 444 LIBERTY AVE FL 15 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $5 | — | $5 | 3.82% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 444 LIBERTY AVE FL 15 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $2 | — | $2 | 7.69% |
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 | 983 | 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) | 983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 1,007 | $1.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 189 | $103K |
| Vision | VISION SERVICES PLAN | 258 | $36K |
| Life insurance | ALLSTATE BENEFITS | 304 | $120K |
| Short-term disability | ONEAMERICA (AMERICAN UNITED LIFE INSURANCE COMPANY) | 182 | $61K |
| Long-term disability | ONEAMERICA (AMERICAN UNITED LIFE INSURANCE COMPANY) | 182 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,007 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.