| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON RD MISHAWAKA, IN 46544 | COMMUNITY INSURANCE COMPANY | $35K | — | $35K | 2.12% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGON RD SUITE 100 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $18K | — | $18K | 12.05% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | GUARDIAN LIFE INSURANCE COMPANY | $8K | $6K | $14K | 14.68% |
| BNYU LLC3 | 315 GREEN RIDGE RD SUITE H1 NEW CASTLE, PA 16105 | GUARDIAN LIFE INSURANCE COMPANY | $956 | — | $956 | 1.00% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 125 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 177 | $96K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 177 | $96K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 177 | $242K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 174 | $147K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 174 | $147K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 177 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
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.