| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | HARTFORD LIFE INSURANCE COMPANY | $8K | $9K | $17K | 11.54% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | AMERITAS LIFE INSURANCE CORPORATION | $9K | $0 | $9K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1203 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $3K | $3K | 3.20% |
| USI INSURANCE SERVICES LLC3 | 320 FEDERAL STREET, PO BOX 1439 BLUEFIELD, WV 24701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.47% |
| DANIEL HAYDEN3 | 2553 RAYMOND AVENUE LATROBE, PA 15650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.33% |
| BRITTANY FINGER3 | 802 FOUR MILE RUN ROAD LIGONIER, PA 15658 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.78% |
| DAVID J MLINARICH3 Filed as: DAVID JOSEPH MINARICH | 955 HEDY LYNN DRIVE NORTH HUNTINGTON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.67% |
| MICHAEL H FLEMING3 Filed as: MICHAEL HENRY FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $729 | $0 | $729 | 2.11% |
| MARIA JANE SHIRLEY3 | 131 RED BARN ROAD HOMER CITY, PA 15748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | $0 | $248 | 0.72% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$35 | $0 | -$35 | -0.10% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 5.55% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD 6TH FLOOR TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.92% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | CHLIC ON BEHALF OF METLIFE | $1K | $0 | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | CHLIC FOR THE BENEFIT OF LINA | $694 | $0 | $694 | 10.00% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10 | $118K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 437 | $210K |
| Vision | VISION BENEFITS OF AMERICA | 309 | $30K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 189 | $166K |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 189 | $148K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 189 | $148K |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE INSURANCE COMPANY | 189 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.