| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 203417 DALLAS, TX 753203417 | UNITEDHEATHCARE INSURANCE COMPANY | — | $26K | $26K | 3.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | P.O. BOX 823237 PHILADELPHIA, PA 19182 | AETNA | $4K | — | $4K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | PO BOX 823237 PHILADELPHIA, PA 19182 | AETNA | $3K | — | $3K | 0.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 444 LIBERTY AVE, SUITE 1500 PITTSBURGH, PA 15222 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 444 LIBERTY AVE, SUITE 1500 PITTSBURGH, PA 15222 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 0.86% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD H-1 NEW CASTLE, PA 16105 | GUARDIAN | $80K | — | $80K | 76.25% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | ONEAMERICA (AMERICAN UNITED LIFE INSURANCE COMPANY) | $13K | — | $13K | 16.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P. O. BOX 203417 DALLAS, TX 75320 | ONEAMERICA (AMERICAN UNITED LIFE INSURANCE COMPANY) | $5K | — | $5K | 6.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 444 LIBERTY AVE, SUITE 1500 PITTSBURGH, PA 15222 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.03% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 203417 DALLAS, TX 75320 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $499 | — | $499 | 2.64% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 N SHORE DR, STE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $656 | — | $656 | 13.21% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD H-1 NEW CASTLE, PA 16105 | GUARDIAN | $107 | — | $107 | 9.01% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NATIONAL | 580 N 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | GUARDIAN | $36 | — | $36 | 3.03% |
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 | 582 | 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) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 144 | $1.5M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 582 | $174K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 398 | $41K |
| Life insurance | GUARDIAN | 49 | $1K |
| Short-term disability(4 contracts, 3 carriers) | GUARDIAN | 290 | $191K |
| Long-term disability(2 contracts, 2 carriers) | ONEAMERICA (AMERICAN UNITED LIFE INSURANCE COMPANY) | 237 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
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.