| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSORTIO, LLC3 | 212 MAIN STREET PO BOX 507 RIDGWAY, PA 15853 | HIGHMARK INC. | $76K | $0 | $76K | 4.72% |
| BRETT HARSH3 | P.O. BOX 1391 WEXFORD, PA 15090 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $677 | $2K | 22.48% |
| SUSAN MCCONNELL & ASSOCIATES INC3 Filed as: SUSAN MCCONNELL & ASSOCIATES, INC. | 713 WILMINGTON ROAD NEW CASTLE, PA 16101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 12.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $318 | $54 | $372 | 3.74% |
| KATI NAIRN | 114 JAMES DR BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 1.13% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEIGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $5 | $105 | 1.05% |
| SUSAN MCCONNELL & ASSOCIATES INC3 | 2540 NEW BUTLER ROAD STE 102 NEW CASTLE, PA 16101 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.61% |
| ROBERT E STEWART JR3 | PO BOX 728 GREENSBURG, PA 15601 | DEARBORN LIFE INSURANCE COMPANY | $0 | $287 | $287 | 3.00% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 129 | $1.6M |
| Dental | HIGHMARK INC. | 129 | $1.6M |
| Vision | HIGHMARK INC. | 129 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 139 | $20K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 139 | $10K |
| Prescription drug | HIGHMARK INC. | 129 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.