| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 100 PINEWOOD LANE STE 301 WARRENDALE, PA 15086 | HIGHMARK, INC. | $43K | — | $43K | 5.63% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $6K | $26K | 12.34% |
| BNYU LLC3 Filed as: BNYU, LLC | 315 GREEN RIDGE ROAD H1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.89% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.53% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 100 PINEWOOD LANE STE 301 WARRENDALE, PA 15086 | HIGHMARK, INC. | $9K | — | $9K | 5.48% |
| TYLER AULT3 | 3009 WILMINGTON ROAD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $617 | — | $617 | 6.14% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $388 | — | $388 | 3.86% |
| PAUL COMO3 | 317 13TH STREET FRANKLIN, PA 16323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.86% |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.11% |
| JONATHAN REES3 | 3309 LIBERTY STREET STE 1188 ERIE, PA 16508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| TYER AULT3 | 3009 WILMINGTON ROAD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $472 | — | $472 | 5.33% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $282 | — | $282 | 3.19% |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| JONATHAN REES3 | 3309 LIBERTY STREET STE 1188 ERIE, PA 16508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 189 | $762K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $211K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $211K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $211K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $211K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $211K |
| Prescription drug | HIGHMARK, INC. | 148 | $169K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.