| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFITS LLC | 310-330 GRANT STREET, SUITE 1320 PITTSBURGH, PA 15219 | CIGNA HEALTH AND LIFE INS. CO. AND AFFILIATES | $7K | $0 | $7K | 3.93% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $125 | $5K | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.74% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET PITTSBURGH, PA 15219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.85% |
| TAMMY A MORGART3 Filed as: TAMMY A MOGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $111 | $2K | 1.26% |
| JOHN BEATTY3 Filed as: JOHN W BEATTY | 1001 CITY AVE WYNEWOOD, PA 19096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $0 | $588 | 0.41% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | $42 | $490 | 0.34% |
| MATTHEW T. MATISKO3 Filed as: MATTHEW T MATISKO | C/O MATTHEW MATISKO SPRINGDALE, PA 15144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $0 | $284 | 0.20% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.04% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $10 | $42 | 0.03% |
| DEEANN GREENE-MARSZALEK3 | 409 N 20TH ST WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.03% |
| ANDREW BOYD3 | 902 NATURE RUN ROAD LIGONIER, PA 15658 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.02% |
| LISA M BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $8 | $29 | 0.02% |
| JOHN A WENSLOW3 | 11400 CARTER ROAD ALBION, PA 16401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.02% |
| ALLISON HARRIS3 | 36 SHADY VALLEY DRIVE CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INS. CO. AND AFFILIATES | 682 | $177K |
| Vision | VISION BENEFITS OF AMERICA | 625 | $42K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.