| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 17.33% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| MICKEY J GEBO3 | 480 LOUD ROAD FAIRORT, NY 14450 | TRUSTMARK INSURANCE COMPANY | $377 | — | $377 | 1.34% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 27.45% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| MICKEY J GEBO3 Filed as: MICKEY JOHN GEBO | 480 LOUD ROAD FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $147 | — | $147 | 0.63% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 17.23% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 7.95% |
| MICKEY J GEBO3 | 480 LOUD ROAD FAIRPORT, NY 14450 | TRUSTMARK INSURANCE COMPANY | $261 | — | $261 | 1.32% |
| JOSEPH S PORTO3 Filed as: JOSEPH PORTO | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $373 | — | $373 | 1.94% |
| DANIEL D COTE3 | 7830 BANKHEAD ROAD DENVER, NC 28037 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $338 | — | $338 | 1.76% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $158 | — | $158 | 0.82% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 CANNONSBURG, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $135 | — | $135 | 0.70% |
| WILLIAM J MARKS3 | PO BOX 882 MCMURRAY, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $52 | — | $52 | 0.27% |
| KAREN BELL3 | 55 SEWILO HILLS DRIVE ROCHESTER, NY 14622 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $49 | — | $49 | 0.25% |
| CINDY HEIDEN3 | 1380 PLANK ROAD WALWORTH, NY 14568 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $30 | — | $30 | 0.16% |
| COREY NOVAK3 | 7 SCHOOL STREET LEROY, NY 14482 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $17 | — | $17 | 0.09% |
| DAVID MIDDLEMISS3 | 809 WESTMORELAND AVENUE SYRACUSE, NY 13210 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $15 | — | $15 | 0.08% |
| 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 LIFE INSURANCE COMPANY OF NEW YORK | $23 | — | $23 | 2.74% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16015 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $21 | — | $21 | 2.50% |
| DUSTIN AULT3 | 324 HEARTHSTONE DRIVE NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $13 | — | $13 | 1.55% |
| DANIEL D COTE3 | 7830 BANKHEAD ROAD DENVER, NC 28037 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $10 | — | $10 | 1.19% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW ROAD SAGERTOWN, PA 16433 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $4 | — | $4 | 0.48% |
| TYLER AULT3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | — | $3 | 0.36% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $371 | — | $371 | 46.32% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 6.99% |
| JOHN HOWE3 Filed as: JOHN MICKEY GEBO | 460 LOUD ROAD FAIRPORT, NY 14450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 2.25% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTH CARE | 170 | $1.1M |
| Life insurance(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 115 | $60K |
| Short-term disability(2 contracts) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 48 | $20K |
| Long-term disability(2 contracts) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 48 | $20K |
| Prescription drug | UNIVERA HEALTH CARE | 170 | $1.1M |
| Other(6 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 121 | $107K |
| 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.