| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 31.15% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 14.38% |
| MICKEY J GEBO3 | 480 LOUD ROAD FAIRORT, NY 14450 | TRUSTMARK INSURANCE COMPANY | $632 | — | $632 | 2.40% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 33.70% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 15.56% |
| MICKEY J GEBO3 | 480 LOUD ROAD FAIRPORT, NY 14450 | TRUSTMARK INSURANCE COMPANY | $549 | — | $549 | 2.59% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 42.99% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 19.85% |
| MICKEY J GEBO3 Filed as: MICKEY JOHN GEBO | 480 LOUD ROAD FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $605 | — | $605 | 3.31% |
| DANIEL D COTE3 | PO BOX 246 LEROY, NY 14482 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $343 | — | $343 | 1.93% |
| JOSEPH S PORTO3 Filed as: JOSEPH PORTO | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $330 | — | $330 | 1.86% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $94 | — | $94 | 0.53% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 CANNONSBURG, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $69 | — | $69 | 0.39% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN CASTLE SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $68 | — | $68 | 0.38% |
| KAREN BELL3 | 55 SEWILO HILLS DRIVE ROCHESTER, NY 14622 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $48 | — | $48 | 0.27% |
| WILLIAM J MARKS3 | PO BOX 882 MCMURRAY, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $33 | — | $33 | 0.19% |
| CINDY HEIDEN3 | 1380 PLANK ROAD WALWORTH, NY 14568 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $32 | — | $32 | 0.18% |
| COREY NOVAK3 | 7 SCHOOL STREET LEROY, NY 14482 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $20 | — | $20 | 0.11% |
| JOSEPH S PORTO3 | 34TACOMA AVENUE BUFFALO, NY 14216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 26.77% |
| STEVEN GOODWIN3 Filed as: STEVEN D GOODWIN | 97 CHAHAM AVENUE BUFFALO, NY 14216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$872 | — | -$872 | -5.57% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE | $32 | — | $32 | 2.92% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16015 | ALLSTATE | $28 | — | $28 | 2.55% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW ROAD SAEGERTOWN, PA 16433 | ALLSTATE | $15 | — | $15 | 1.37% |
| DANIEL D COTE3 | PO BOX 246 LEROY, NY 14482 | ALLSTATE | $14 | — | $14 | 1.28% |
| DUSTIN AULT3 | 7593 YOUNGSTOWN PITTSBURG ROAD POLAND, OH 44514 | ALLSTATE | $12 | — | $12 | 1.09% |
| TYLER AULT3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | ALLSTATE | $3 | — | $3 | 0.27% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTH CARE | 187 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $16K |
| Life insurance(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 114 | $50K |
| Short-term disability(2 contracts, 2 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 60 | $19K |
| Long-term disability(2 contracts, 2 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 60 | $19K |
| Prescription drug | UNIVERA HEALTH CARE | 187 | $1.1M |
| Other(6 contracts, 4 carriers) | TRUSTMARK INSURANCE COMPANY | 121 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.