| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK, INC. | $54K | $0 | $54K | 4.59% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $10K | $29K | 16.29% |
| BNYU LLC3 Filed as: BNYU, LLC | 315 GREEN RIDGE ROAD H1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.00% |
| TYLER AULT3 | 315 GREEN RIDGE DRIVE, SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.56% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.77% |
| JOHN LUTHER HEAPS3 Filed as: JOHN KARNES | 5029 PEACH STREET ERIE, PA 16509 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $777 | $0 | $777 | 2.23% |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.08% |
| JONATHON REES3 | 3309 LIBERTY STREET, SUITE 1188 ERIE, PA 16508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 240 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $177K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $177K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $177K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $177K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $177K |
| Prescription drug | HIGHMARK, INC. | 240 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.