| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSORTIO, LLC3 | 212 MAIN STREET PO BOX 507 RIDGWAY, PA 15853 | HIGHMARK INC. | $52K | — | $52K | 3.11% |
| SUSAN MCCONNELL & ASSOCIATES INC3 Filed as: SUSAN MCCONNELL | 713 WILMINGTON AVE NEW CASTLE, PA 16101 | HIGHMARK INC. | $18K | — | $18K | 1.08% |
| BRETT HARSH3 | P.O. BOX 1391 WEXFORD, PA 15090 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 21.95% |
| SUSAN MCCONNELL & ASSOCIATES INC3 Filed as: SUSAN MCCONNELL & ASSOCIATES, INC. | 713 WILMINGTON ROAD NEW CASTLE, PA 16101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 18.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $617 | $3K | 5.69% |
| MARIA CECILIA CALABRO3 Filed as: MARIA INOMATA | PO BOX 10451 PITTSBURGH, PA 15234 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.55% |
| SHANE THOMAS WILLIAMS3 Filed as: SHANE THOMAS WILIAMS | 149 E MORELAND AVE HATBORO, PA 19040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $913 | — | $913 | 1.97% |
| MICHAEL ZELLAM3 | 1004 WINDANCE DR NCDONALD, PA 15067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $347 | — | $347 | 0.75% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEIGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $200 | $41 | $241 | 0.52% |
| EDWARD J WILLIAMS3 | PO BOX 1716 MEDIA, PA 19063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 0.30% |
| KATI NAIRN3 | 114 JAMES DR BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.17% |
| SUSAN MCCONNELL & ASSOCIATES INC3 | 2540 NEW BUTLER ROAD STE 102 NEW CASTLE, PA 16101 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.74% |
| ROBERT E STEWART JR3 | PO BOX 728 GREENSBURG, PA 15601 | DEARBORN LIFE INSURANCE COMPANY | $0 | $274 | $274 | 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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 134 | $1.7M |
| Dental | HIGHMARK INC. | 134 | $1.7M |
| Vision | HIGHMARK INC. | 134 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 145 | $55K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 145 | $9K |
| Prescription drug | HIGHMARK INC. | 134 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
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.