| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $466 | $3K | 9.33% |
| BRETT HARSH3 | PO BOX 1391 WEXFORD, PA 15090 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $873 | $783 | $2K | 4.63% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DR. PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $413 | $1K | 3.98% |
| KATI NAIRN3 | 114 JAMES DR. BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $126 | $1K | 3.44% |
| PETERSON FINANCIAL INC3 Filed as: PETERSON FINANCIAL INC. | 548 CANTON RD. WINTERSVILLE, OH 43953 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $655 | — | $655 | 1.83% |
| NORTHWEST WORKSITE MARKETING CORP3 Filed as: NORTHWEST WORKSITE MARKETING CORP. | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 0.63% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC. | 2135 RIDGE RD. GREENSBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 0.41% |
| CBF BENEFITS INC3 Filed as: CBF BENEFITS INC. | 1309 HIDDEN HARBOR RD. MYRTLE BEACH, SC 29577 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.37% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR. STE 101 CRANBERRY, PA 16066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.35% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DR. WHEELING, WV 26003 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.31% |
| JAMES BRADLEY SEIFERT3 | 157 MCCOY PLACE RD. SEWICKLEY, PA 15143 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.18% |
| JOY GRUBE PADGELEK3 | 318 COTTINGHAM CIRCLE CRANBERRY TWP, PA 16066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.15% |
| MATTHEW T. MATISKO3 Filed as: MATTHEW T MATISKO | C/O MATTHEW MATISKO SPRINGDALE, PA 15144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.14% |
| JESSICA L VANDENELSEN3 Filed as: JESSICA LYNN VAN DEN | 67 N BRYANT AVE. PITTSBURGH, PA 15202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.10% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR. WASHINGTON, PA 15301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.07% |
| JULIA BUCCERI3 | 1219 LIVERPOOL ST. PITTSBURGH, PA 15233 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| NANCY L BEATTY3 | 33 OVERVIEW DR. GREENSBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD. DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $506 | — | $506 | 3.17% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $247 | — | $247 | 2.53% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 339 | $1.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 354 | $28K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $16K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 236 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.