| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE, LLC | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | HIGHMARK, INC. | $62K | — | $62K | 3.30% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.65% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN ROAD RIVESVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $378 | $18K | 11.82% |
| PAUL EDWARD KOONTZ3 | 714 VENTURE DR. STE 134 MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $705 | $2K | 1.41% |
| KEVIN RAY JOHNSTON3 | 701 LAKEVIEW ESTATES TOWNHOMES MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $581 | — | $581 | 0.37% |
| NICK WISDA3 | 2196 TOWNSHIP ROAD 55 NEVADA, OH 44849 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.07% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 143 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $188K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $188K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $343K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $155K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $188K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.