| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HESLEP3 Filed as: ROBERT WILDERSPIN | 6364 LONG IVY WAY SUGAR HILL, GA 30518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36K | $10K | $45K | 16.62% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34K | $3K | $36K | 13.25% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $13K | $24K | 8.81% |
| RICHARD LOWMAN3 | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $66 | $7K | 2.52% |
| ANDREA STEARNS3 | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $387 | $6K | 2.27% |
| NICHOLETTE R MONTINI3 Filed as: NICHOLETTE R. MONTINI | 142 CENTER GRANGE RD. ALIQUIPPA, PA 15001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 4801 FAIRMONT AVE BETHESDA, MD 20814 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $139 | $2K | 0.80% |
| SAMANTHA C CORTELAZZO-ABBATE3 Filed as: SAMANTHA ANN MORNINGSTAR | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $441 | $1K | 0.43% |
| EVELYN MORGAN3 | 239 TOMER LANE GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $600 | — | $600 | 0.22% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA BRIAN PATTEN | 102 PEPPERGRASS ROAD BADEN, PA 15005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $181 | $393 | 0.14% |
| ETHAN MCNAMARA3 | 12050 LAMPLIGHTERS DR. ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 0.09% |
| KEVIN E HARRIS3 | 14 2ND AVENUE NEWNAN, GA 30263 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $84 | $126 | 0.05% |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $43 | $120 | 0.04% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM LLC | 7108 CORNERSTONE DR. NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $49 | $119 | 0.04% |
| KEVIN DUANE GREEN3 | 1751 SILVERGRASS LANE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $51 | $93 | 0.03% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA MARIE BERGSTEIN | #232 140 MAIN STREET IRWIN, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1215 MANOR DR., STE. 200 MECHANICSBURG, PA 17055 | SYMETRA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 9.62% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INS & BENEFITS SERVICES INC. | 11 STANIX STREET, STE. 100 PITTSBURGH, PA 15222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $914 | — | $914 | 5.28% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.86% |
| TERESA M EDWARDS3 | 5500 BROOKTREE RD., STE. 102 WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.53% |
| JENNIFER ROBIN HRIVNAK3 Filed as: JENNIFER R. HRIVNAK | 5 LOG CABIN CT. ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.35% |
| JEFFREY S FOLK3 | 8472 FRIENDSVILLE RD. FRIENDSVILLE, MD 21531 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.31% |
| JODY D MARSHALL3 | 514 BEAUMONT DR. STATE COLLEGE, PA 16801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.28% |
| MELISSA E GRAVES3 Filed as: MELISSA E. GRAVES | 350 MARKET ST. APT. 314 JOHNSTOWN, PA 15901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.25% |
| JAMES G BRANDT3 | 47 MARVIN STREET PORT MATILDA, PA 16870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.22% |
| BRIAN STRENKO3 | 469 MT. HOPE RD SOUTH FORK, PA 15956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.16% |
| ADAM N STEINEL3 Filed as: ADAM STEINEL | 2216 TROLISTDE NORTH HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.14% |
| FRANK E JAMES3 | 370 TOWNHILL ROAD BERLIN, PA 15530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.14% |
| MICHAEL H FLEMING3 | 11186 BROKERS LANE NORTH HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DRIVE ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| TRAVIS I RUSKO3 | 203 PLANK RD. APT. 1 SOMERSET, PA 15501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| ANDREW POWELL3 Filed as: ANDREW R POWELL | 1 PERISMMON DRIVE BOILING SPRINGS, PA 17007 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| KENAN KEVENK3 Filed as: KENAN T KEVENK | 1262 LAUREL VIEW DR. JOHNSTOWN, PA 15905 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| ROBERT HESLEP3 Filed as: ROBERT WILDERSPIN | 6364 LONG IVY WAY BUFORD, GA 30518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| JORDAN BERRY3 | 2837 BUTTERNUT RD. TYRONE, PA 16686 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| SHAYNE L BRANDENBURG3 | 26 CASTLE RUN DRIVE BEAR, DE 19701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| NICHOLAS F SENELLA3 | 2254 MT PLEASANT RD. NORVELT, PA 15674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| AIMEE L ALTIMORE3 | 3900 INDUSTRIAL BLVD. ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARIA J BENNETTI3 | 2001 BELLMEADE DRIVE ALTOONA, PA 16602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BARBARA A DETZ3 | 7 DEWBERRY COURT MECHANICSBURG, PA 17055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.48% |
| ROBERT HESLEP3 Filed as: ROBERT WILDERSPIN | 6364 LONG IVY WAY SUGAR HILL, GA 30518 | THE PAUL REVERE LIFE INSURANCE COMPANY | $918 | — | $918 | 10.28% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | THE PAUL REVERE LIFE INSURANCE COMPANY | $354 | $233 | $587 | 6.57% |
| ANDREA STEARNS3 | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | THE PAUL REVERE LIFE INSURANCE COMPANY | $423 | $3 | $426 | 4.77% |
| RICHARD LOWMAN3 | 2310 LONGCREST AVE BETHEL PARK, PA 15102 | THE PAUL REVERE LIFE INSURANCE COMPANY | $215 | — | $215 | 2.41% |
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 | 1,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 1,923 | $100K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,325 | $190K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 258 | $282K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,325 | $190K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,325 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,923 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.