| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC | 3009 WILMINGTON RD. STE 100 NEW CASTLE, PA 16105 | PRINCIPAL LIFE INSURANCE COMPANY | $53K | — | $53K | 11.65% |
| BNYU LLC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | PRINCIPAL LIFE INSURANCE COMPANY | — | $20K | $20K | 4.31% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | -$2K | -$2K | -0.36% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIER AVE E SUITE 1500 CLEVELAND, OH 44114 | PRINCIPAL LIFE INSURANCE COMPANY | -$4K | — | -$4K | -0.81% |
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 | 559 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 559 | $456K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 559 | $456K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 559 | $456K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 559 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.