| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE FINANCIAL INC Filed as: LAYNE FINANCIAL | 3009 WILLIMGTON RD NEW CASTLE, PA 16105 | GUARDIAN | $31K | — | $31K | — |
| USI INSURANCE SERVICES LLC Filed as: USI | 200 SUMMIT LAKE DR VALHALLA, NY 10595 | GUARDIAN | $8K | — | $8K | — |
| BNYU LLC Filed as: BNYU | 315 GREEN RIDGE RD NEW CASTLE, PA 16105 | GUARDIAN | $788 | — | $788 | — |
| GARLOW INSURANCE AGENCY INC Filed as: GARLOW INSURANCE | PO BOX 5052 CHARLESTON, WV 25361 | GUARDIAN | $481 | — | $481 | — |
| LIFETIME FINANCIAL | — | GUARDIAN | $2 | — | $2 | — |
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 | 62 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN | 62 | $0 |
| Short-term disability | GUARDIAN | 62 | $0 |
| Long-term disability | GUARDIAN | 62 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62 | — |
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.