| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN UNITED LIFE INSURANCE COMPANY | $19K | $4K | $23K | 18.00% |
| MICHAEL A KRAMER3 | 131 E HIGH ST LAWRENCEBURG, IN 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.90% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DR LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.56% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.30% |
| LEIGH MAURER AGENCY LLC3 | 2625 LAUREL LINDALE ROAD NEW RICHMOND, OH 45157 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.72% |
| MARK L HUFHAND3 | 1644 N MAIN ST SUITE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $571 | — | $571 | 0.78% |
| RICHARD GARLAND BAILEY3 | 131 KING LEES COURT LEXINGTON, SC 29072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $205 | — | $205 | 0.28% |
| JOHN CAUPP3 | 936 ORVILLE WAY XENIA, OH 45385 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.10% |
| CATHY S STEINMETZ3 | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $836 | $3K | 14.96% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $377 | — | $377 | 1.98% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $19K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 163 | $201K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 163 | $128K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 163 | $128K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 163 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.