| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES LLC | 200 WOODWARD AVENUE, SUITE B LOCK HAVEN, CT 17745 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES LLC | 200 WOODWARD AVENUE, SUITE B LOCK HAVEN, CT 17745 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 8.50% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES LLC | 200 WOODWARD AVENUE, SUITE B LOCK HAVEN, CT 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.60% |
| SHEEHAN CULLEN LEONARD3 | 413 LOGAN BOULEVARD, SUITE 2 ALTOONA, PA 16002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.23% |
| BROOKS CONSULTANTS INC3 | 101 COPPER BEECH LANE WOMELSDORF, CT 19567 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $575 | $0 | $575 | 1.18% |
| REEDER INS LLC3 Filed as: REEDER INSURANCE LLC | 200 WOODWARD AVENUE, SUITE B LOCK HAVEN, CT 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $575 | $0 | $575 | 1.18% |
| JOSEPH A REEDER3 Filed as: JOSEPH REEDER | 200 WOODWARD AVENUE, SUITE B LOCK HAVEN, CT 17745 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | $0 | $518 | 1.06% |
| CORMAC FINANCIAL SVCS INC.3 Filed as: CORMAC FINANCIAL SVCS INC | 1381 OLD ROUTE 220 N, SUITE 8 DUNCANSVILLE, PA 16635 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | $0 | $136 | 0.28% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $60K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $92K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $92K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $92K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.