| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE COMMERCE SQUARE, SUITE 820 2005 MARKET STREET PHILADELPHIA, PA 19103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $24K | $24K | 5.37% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $75 | $75 | 0.02% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.15% |
| TYLER AULT3 | 315 GREEN RIDGE DRIVE, SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.99% |
| TSIKALAS INSURANCE AGENCY, INC.3 Filed as: TSIKALAS INSURANCE AGENCY INC. | 1407 EISENHOWER BOULVARD SUITE 102 JOHNTOWN, PA 15904 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $499 | $0 | $499 | 1.46% |
| TSIKALAS INSURANCE AGENCY, INC.3 Filed as: TSIKALAS INSURANCE AGENCY INC. | 1407 EISENHOWER BOULVARD SUITE 102 JOHNSTOWN, PA 15904 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $267 | $0 | $267 | 0.78% |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | $0 | $77 | 0.23% |
| CANDICE CLONTZ3 | 1852 ROSEVILLE SIGEL ROAD BROOKVILLE, PA 15825 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $31 | $31 | — |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 392 | $95K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 429 | $443K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 429 | $443K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 429 | $443K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 429 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.