| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | 90 KRIEGER LANE PO BOX 1237 GLASTONBURY, CT 06033 | GUARDIAN | $14K | — | $14K | 25.45% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | GUARDIAN | $4K | — | $4K | 6.36% |
| EFP INC3 | 90 KREIGER LANE PO BOX 1237 GLASTONBURY, CT 06033 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 15.75% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 7.73% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $736 | — | $736 | 3.27% |
| MICKEY J GEBO3 | 480 LOUD ROAD FAIRPORT, NY 14450 | TRUSTMARK INSURANCE COMPANY | $25 | — | $25 | 0.11% |
| JOSEPH S PORTO3 Filed as: JOSEPH PORTO | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $193 | — | $193 | 1.67% |
| DANIEL D COTE3 | 7830 BANKHEAD ROAD DENVER, NC 28037 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $187 | — | $187 | 1.62% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 CANNONSBURG, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $53 | — | $53 | 0.46% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $52 | — | $52 | 0.45% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $35 | — | $35 | 0.30% |
| WILLIAM J MARKS3 | PO BOX 882 MCMURRAY, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $30 | — | $30 | 0.26% |
| KAREN BELL3 | 55 SEWILO HILLS DRIVE ROCHESTER, NY 14622 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $17 | — | $17 | 0.15% |
| DAVID MIDDLEMISS3 | 809 WESTMORELAND AVENUE SYRACUSE, NY 13210 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $14 | — | $14 | 0.12% |
| CINDY HEIDEN3 | 1380 PLANK ROAD WALWORTH, NY 14568 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $14 | — | $14 | 0.12% |
| COREY NOVAK3 | 7 SCHOOL STREET LEROY, NY 14482 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $10 | — | $10 | 0.09% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $25 | — | $25 | 2.72% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $23 | — | $23 | 2.50% |
| DUSTIN AULT3 | 324 HEARTHSTONE DRIVE NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $14 | — | $14 | 1.52% |
| DANIEL D COTE3 | 7830 BANKHEAD ROAD DENVER, NC 28037 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $11 | — | $11 | 1.20% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW ROAD SAGERTOWN, PA 16433 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $5 | — | $5 | 0.54% |
| TYLER AULT3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | — | $3 | 0.33% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTH CARE | 134 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 127 | $68K |
| Short-term disability(2 contracts) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 36 | $12K |
| Long-term disability(2 contracts) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 36 | $12K |
| Prescription drug | UNIVERA HEALTH CARE | 134 | $1.0M |
| Other(4 contracts, 3 carriers) | GUARDIAN | 127 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.