| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD, SUITE H1 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120K | $206 | $120K | 25.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 20351 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $4K | $55K | 11.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORPORATION | — | -$4K | -$4K | -1.16% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD, SUITE H1 NEW CASTLE, PA 16105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $397 | $19K | 10.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 20351 DALLAS, TX 75320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $209 | $8K | 4.39% |
| ELECTRO MEDICAL SERVICES, INC.3 Filed as: ELECTRO MEDICAL SERVICES INC. | PO BOX 680 CLINTON, NC 28329 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 3.28% |
| WILLIAMS, STEVEN, PAUL3 | PO BOX 680 CLINTON, NC 28329 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.22% |
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 | 1,809 | 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) | 1,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,982 | $367K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 3,071 | $216K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 716 | $184K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,071 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,071 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.