| 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 | $11K | — | $11K | 17.13% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | GUARDIAN | $3K | — | $3K | 4.28% |
| EFP INC3 | 90 KREIGER LANE PO BOX 1237 GLASTONBURY, CT 06033 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 16.17% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 5.32% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $417 | — | $417 | 1.76% |
| MICKEY J GEBO3 | 480 LOUD ROAD FAIRPORT, NY 14450 | TRUSTMARK INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| JOSEPH S PORTO3 Filed as: JOSEPH PORTO | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $178 | — | $178 | 1.54% |
| DANIEL D COTE3 | 7830 BANKHEAD ROAD DENVER, NC 28037 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $161 | — | $161 | 1.39% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 CANNONSBURG, PA 15317 | 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 | $49 | — | $49 | 0.42% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $48 | — | $48 | 0.42% |
| WILLIAM J MARKS3 | PO BOX 882 MCMURRAY, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $20 | — | $20 | 0.17% |
| DAVID MIDDLEMISS3 | 809 WESTMORELAND AVENUE SYRACUSE, NY 13210 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $14 | — | $14 | 0.12% |
| KAREN BELL3 | 55 SEWILO HILLS DRIVE ROCHESTER, NY 14622 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $5 | — | $5 | 0.04% |
| CINDY HEIDEN3 | 1380 PLANK ROAD WALWORTH, NY 14568 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $3 | — | $3 | 0.03% |
| COREY NOVAK3 | 7 SCHOOL STREET LEROY, NY 14482 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2 | — | $2 | 0.02% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | GUARDIAN | $2K | — | $2K | 21.80% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | 90 KREIGER LANE GLASTONBURY, CT 06033 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $582 | — | $582 | 26.17% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 1.79% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 1.67% |
| DANIEL D COTE3 | 7830 BANKHEAD ROAD DENVER, NC 28037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.72% |
| TYLER AULT3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.60% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW ROAD SAGERTOWN, PA 16433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.48% |
| DUSTIN AULT3 | 324 HEARTHSTONE DRIVE NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.36% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTH CARE | 128 | $988K |
| Dental | GUARDIAN | 120 | $11K |
| Life insurance(4 contracts, 4 carriers) | GUARDIAN | 126 | $101K |
| Short-term disability(2 contracts, 2 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 36 | $12K |
| Long-term disability(2 contracts, 2 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 36 | $12K |
| Prescription drug | UNIVERA HEALTH CARE | 128 | $988K |
| Other(5 contracts, 5 carriers) | GUARDIAN | 126 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.