| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | $79K | $145K | 8.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | $0 | $52K | 6.99% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN AND ASSOCIATES LLC | 120 MARGUERITE DRIVE, SUITE 100 CRANBERRY TOWNSHIP, PA 16066 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | $0 | $52K | 6.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NCY LLC MARCH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96K | $0 | $96K | 16.61% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67K | $0 | $67K | 11.52% |
| MELISSA L COLEMAN3 Filed as: MELISSA L. COLEMAN AND OTHER AGENTS | 28803 DIAMONDHEAD STREET MONTGOMERY, TX 77356 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 3.25% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.06% |
| HEATHER M BARTLEY3 Filed as: HEATHER M. BARTLEY | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.02% |
| JOSEPH W CALABRO SR3 Filed as: JOSEPH W. CALABRO | 2120 RIDGE DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.80% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $16K | $0 | $16K | 3.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET, 3RD FLOOR BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | ARAG INSURANCE COMPANY | $7K | $0 | $7K | 9.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | ARAG INSURANCE COMPANY | $424 | $0 | $424 | 0.55% |
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 | 3,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 5,398 | $390K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,052 | $2.3M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,052 | $1.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,052 | $1.7M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,052 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,398 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.