| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 | 4720 MONTGOMERY LANE, SUITE 500 BETHESDA, MD 20814 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 3.12% |
| R & B INSURANCE SERVICES LLC3 Filed as: R AND B INSURANCE SERVICES LLC | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | $5K | $19K | 26.05% |
| R & B INSURANCE SERVICES LLC3 Filed as: R AND B INSURANCE SERVICES LLC | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 22.52% |
| SHEEHAN CULLEN LEONARD3 | 413 SOUTH LOGAN BOULEVARD SUITE 2 ALTOONA, PA 16002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.85% |
| BROOKS CONSULTANTS INC3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.95% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.95% |
| CORMAC FINANCIAL SVCS INC.3 Filed as: CORMAC FINANCIAL SERVICES INC | 1381 OLD ROUTE 220 NORTH SUITE 8 MEADOWS PLAZA DUNCANSVILLE, PA 16635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $768 | $0 | $768 | 1.17% |
| R & B INSURANCE SERVICES LLC3 Filed as: R AND B INSURANCE SERVICES LLC | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 8.50% |
| R & B INSURANCE SERVICES LLC3 Filed as: R AND B INSURANCE SERVICES LLC | 209 WOODWARD AVENUE LOCK HAVEN, PA 17745 | AEGIS SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| AEGIS GENERAL INSURANCE AGENCY3 | 4507 NORTH FRONT STREET, SUITE 200 HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 7.00% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 125 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $61K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $73K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $73K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $73K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 125 | $1.1M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.