| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK, INC. | $3K | — | $3K | 0.39% |
| BOST BENEFITS3 | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | HIGHMARK, INC. | $427 | — | $427 | 0.05% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $17K | 10.60% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK, INC. | $713 | — | $713 | 0.65% |
| BOST BENEFITS3 | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | HIGHMARK, INC. | $28 | — | $28 | 0.03% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $568 | — | $568 | 8.17% |
| TYLER AULT3 | 3009 WILMINGTON ROAD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $265 | — | $265 | 3.81% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 2.46% |
| PAUL COMO3 | 317 13TH STREET FRANKLIN, PA 16323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 1.32% |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| JONATHAN REES3 | 3309 LIBERTY STREET STE 1188 ERIE, PA 16508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $578 | — | $578 | 12.70% |
| TYER AULT3 | 3009 WILMINGTON ROAD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 2.66% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 1.82% |
| PAUL COMO3 | 317 13TH STREET FRANKLIN, PA 16323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.26% |
| MICHAEL YOST3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| JONATHAN REES3 | 3309 LIBERTY STREET STE 1188 ERIE, PA 16508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.04% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 170 | $823K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $164K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $164K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $164K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $164K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $164K |
| Prescription drug | HIGHMARK, INC. | 92 | $110K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.