| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILBERTS INSURANCE AGENCY INC3 | 30 E STATE ST SHARON, PA 161461705 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.56% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE SERV | 4550 LENA DR MECHANICSBURG, PA 170554922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.44% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $4K | $3K | $7K | 13.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $7K | $2K | $9K | 25.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $3K | $2K | $5K | 13.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $2K | $1K | $4K | 13.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $4K | $934 | $5K | 25.00% |
| GILBERTS INSURANCE AGENCY INC3 | 30 E STATE ST SHARON, PA 16146 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 10.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. C/O ARMS INSURANCE | 680 ANDERSON DRIVE, SUITE 615 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $708 | — | $708 | 4.95% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 1.68% |
| DAVID E HAUCK3 Filed as: DAVID E. HAUCK | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.94% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | PO BOX 449 INDIANA, PA 15701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.66% |
| ARICK MARTIN3 | 427 S. MEADOWCRAFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.54% |
| LUCAS MICHAEL3 | 160 S. BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.36% |
| JONATHAN ANDREW GRAESER3 | 160 S. BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.36% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.16% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.15% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| TAMMY A MORGART3 | 13347 DEAN DR NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD | $938 | $586 | $2K | 13.00% |
| ARICK MARTIN3 | 427 S. MEADOWCRAFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $312 | $24 | $336 | 7.31% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $27 | $224 | 4.87% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | PO BOX 449 INDIANA, PA 15701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 3.37% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.57% |
| DAVID E HAUCK3 Filed as: DAVID E. HAUCK | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.52% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DRIVE WASHINGTON, PA 15301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $6 | $21 | 0.46% |
| CLARICE D LEWIS LLC3 Filed as: CLARICE D LEWS LLC | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.24% |
| JONATHAN ANDREW GRAESER3 | 160 S. BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.09% |
| LUCAS MICHAEL3 | 160 S. BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.09% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 545 TOM SAWYER ROAD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| ARICK MARTIN3 | 427 S. MEADOWCRAFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $10 | $168 | 4.68% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY A SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $131 | $14 | $145 | 4.04% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | PO BOX 449 INDIANA, PA 15701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 2.56% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 1.00% |
| DAVID E HAUCK3 Filed as: DAVID E. HAUCK | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.59% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.45% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DRIVE WASHINGTON, PA 15301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.25% |
| LUCAS MICHAEL3 | 160 S. BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.20% |
| JONATHAN ANDREW GRAESER3 | 160 S. BROAD STREET GROVE CITY, PA 16127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.20% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| TAMMY A MORGART3 | 13347 DEAN DR NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| ARICK MARTIN3 | 427 S. MEADOWCRAFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $164 | $14 | $178 | 9.76% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $19 | $147 | 8.06% |
| RESCHINI AGENCY INC3 Filed as: RESCHINI AGENCY, INC. | PO BOX 449 INDIANA, PA 15701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 7.73% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.93% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DRIVE WASHINGTON, PA 15301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $4 | $11 | 0.60% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.55% |
| DAVID E HAUCK3 Filed as: DAVID E. HAUCK | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROUNDSTONE MAN. EIN 27-0371422 STOP LOSS | Claims processing Service code 12 | 19621 LAKE ROAD ROCKY RIVER, OH 44116 | $676K |
| C.A.S. EIN 91-1991574 TPA | Plan Administrator Service code 14 | — | $95K |
| AIMM EIN 13-4254735 MEDICAL MANAGEMENT | Claims processing Service code 12 | — | $83K |
| S&S HEALTHCARE EIN 31-1418743 PPO NETWORK | Claims processing Service code 12 | 4900 PARKWAY DRIVE SUITE 160 MASON, OH 45040 | $61K |
| GILBERT INC. AGENCY EIN 25-0943703 BROKER | Insurance agents and brokers Service code 22 | 30 EAST STATE STREET SHARON, PA 16146 | $51K |
| AMERICAN HEALTH HOLDING INC. EIN 31-1368946 TELEMEDICINE | Claims processing Service code 12 | 7400 W CAMPUS RD F510 NEW ALBANY, OH 43054 | $9K |
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 | 452 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 452 | $126K |
| Vision | VISION BENEFITS OF AMERICA | 244 | $14K |
| Life insurance(7 contracts, 2 carriers) | RELIANCE STANDARD | 383 | $134K |
| Short-term disability | RELIANCE STANDARD | 383 | $56K |
| Long-term disability(3 contracts) | RELIANCE STANDARD | 383 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.