| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, STE 200 PITTSBURGH, PA 152225425 | UNITEDHEATHCARE INSURANCE COMPANY | — | $31K | $31K | 3.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6 PPG PLACE, STE 200 PITTSBURGH, PA 152225425 | UNITEDHEATHCARE INSURANCE COMPANY | — | $3K | $3K | 0.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 823237 PHILADELPHIA, PA 19182 | AETNA | $5K | — | $5K | 1.54% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD, STE 100 NEW CASTLE, PA 16105 | GUARDIAN | $57K | $6K | $63K | 41.68% |
| BNYU LLC3 | 3009 WILMINGTON ROAD, STE 100 NEW CASTLE, PA 16105 | GUARDIAN | $738 | — | $738 | 0.48% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DR E CHARLESTON, WV 52311 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 13.00% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD, SUITE H-1 NEW CASTLE, PA 16105 | ONEAMERICA (AMERICAN UNITED LIFE INSURANCE COMPANY) | $10K | — | $10K | 10.86% |
| 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 | 5.34% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $707 | — | $707 | 1.00% |
| 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. | $3K | — | $3K | 6.66% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DR E CHARLESTON, WV 25311 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 N SHORE DR, STE 300 PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $243 | — | $243 | 12.38% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE - SUITE 350 VAHALLA, NY 10595 | GUARDIAN | $104 | — | $104 | 15.01% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 108 | $1.4M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 323 | $101K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 274 | $32K |
| Short-term disability(4 contracts, 3 carriers) | GUARDIAN | 208 | $243K |
| Long-term disability | ONEAMERICA (AMERICAN UNITED LIFE INSURANCE COMPANY) | 172 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.