| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN MCCONNELL & ASSOCIATES INC3 Filed as: SUSAN M MCCONNELL | 713 WILMINGTON AVE NEW CASTLE, PA 16101 | HIGHMARK, INC. | $73K | $0 | $73K | 4.28% |
| BRETT HARSH3 | P.O. BOX 1391 WEXFORD, PA 15090 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $614 | $5K | 9.65% |
| SUSAN MCCONNELL & ASSOCIATES INC3 Filed as: SUSAN MCCONNELL & ASSOCIATES, INC. | 713 WILMINGTON ROAD NEW CASTLE, PA 16101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 7.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $686 | $53 | $739 | 1.37% |
| SHANE THOMAS WILLIAMS3 Filed as: SHANE THOMAS WILIAMS | 149 E MORELAND AVE HATBORO, PA 19040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $573 | $0 | $573 | 1.06% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEIGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $161 | $4 | $165 | 0.31% |
| KATI NAIRN3 | 114 JAMES DR BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.14% |
| EDWARD J WILLIAMS3 Filed as: EDWARD WILLIAMS | PO BOX 1716 MEDIA, PA 19063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| SUSAN MCCONNELL & ASSOCIATES INC3 | 2540 NEW BUTLER ROAD STE 102 NEW CASTLE, PA 16101 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 12.36% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 178 | $1.7M |
| Dental | HIGHMARK, INC. | 178 | $1.7M |
| Vision | HIGHMARK, INC. | 178 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 145 | $65K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 145 | $11K |
| Prescription drug | HIGHMARK, INC. | 178 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.