| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 210 6TH STREET, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $5K | $13K | 12.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 210 6TH STREET, 30TH FLOOR PITTSBURGH, PA 15222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $429 | $6K | 7.86% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $127 | $2K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $160 | $2K | 2.21% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $144 | $1K | 1.71% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $27 | $1K | 1.68% |
| MJ INSURANCE3 Filed as: AMY SELAK AND VARIOUS AGENTS | 6901 WALMORE ROAD NIAGARA FALLS, NY 14304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $447 | $34 | $481 | 0.66% |
| LANCE A BRADLEY3 Filed as: LANCE A. BRADLEY | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $249 | $0 | $249 | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 210 6TH STREET, 30TH FLOOR PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $774 | $0 | $774 | 1.50% |
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 | 475 | 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) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 605 | $52K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 475 | $106K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 475 | $106K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 475 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.