| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DRIVE #300 PITTSBURGH, PA 15212 | HIGHMARK INC. | $6K | — | $6K | 10.09% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 13.41% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC. | 225 NORTH SHORE DR #300 PITTSBURGH, PA 15212 | HIGHMARK INC. | $516 | — | $516 | 3.03% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 5.87% |
| EDWARD D. LUTZ3 Filed as: EDWARD D LUTZ | 1706 WILMINGTON RD NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 2.08% |
| TYLER AULT3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.53% |
| CHRISTINE MARIE ELLIOTT3 | 2400 WOODLAND HILLS DRIVE NEW CASTLE, PA 16101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| DARIN A AULT3 | 214 EAST MAITLAND LANE NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.09% |
| JUDY KAUFFMAN3 | 3099 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $185 | — | $185 | 5.49% |
| TYLER AULT3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 2.94% |
| CHRISTINE MARIE ELLIOTT3 | 2400 WOODLAND HILLS DRIVE NEW CASTLE, PA 16101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.77% |
| LAURIE AULT3 Filed as: LAURIE L AULT | 147 NESHANNOCK TRAILS DRIVE NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.50% |
| JUDY KAUFFMAN3 | 3099 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.18% |
| DARIN A AULT3 | 214 EAST MAITLAND LANE NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 4.65% |
| TYLER AULT3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 3.27% |
| CHRISTINE MARIE ELLIOTT3 | 2400 WOODLAND HILLS DRIVE NEW CASTLE, PA 16101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 1.44% |
| JUDY KAUFFMAN3 | 3099 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.39% |
| DARIN A AULT3 | 214 EAST MAITLAND LANE NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.24% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $172 | — | $172 | 5.39% |
| TYLER AULT3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 3.70% |
| CHRISTINE MARIE ELLIOTT3 | 2400 WOODLAND HILLS DRIVE NEW CASTLE, PA 16101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.53% |
| DARIN A AULT3 | 214 EAST MAITLAND LANE NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.22% |
| JUDY KAUFFMAN3 | 3099 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.13% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | — | $149 | 7.39% |
| TYLER AULT3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 1.88% |
| EDWARD D. LUTZ3 Filed as: EDWARD D LUTZ | 1706 WILMINGTON RD NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 1.39% |
| CHRISTINE MARIE ELLIOTT3 | 2400 WOODLAND HILLS DRIVE NEW CASTLE, PA 16101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.25% |
| DARIN A AULT3 | 214 EAST MAITLAND LANE NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.15% |
| JUDY KAUFFMAN3 | 3099 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 4.84% |
| TYLER AULT3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 2.46% |
| CHRISTINE MARIE ELLIOTT3 | 2400 WOODLAND HILLS DRIVE NEW CASTLE, PA 16101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 1.38% |
| EDWARD D. LUTZ3 Filed as: EDWARD D LUTZ | 1706 WILMINGTON RD NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.77% |
| JUDY KAUFFMAN3 | 3099 WILMINGTON RD NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.38% |
| DARIN A AULT3 | 214 EAST MAITLAND LANE NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.15% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 168 | $1.3M |
| Dental | HIGHMARK INC. | 217 | $61K |
| Vision | HIGHMARK INC. | 217 | $17K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 286 | $53K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 286 | $45K |
| Prescription drug | HIGHMARK INC. | 168 | $1.3M |
| Other(7 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 286 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.