| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON-MCCRADY BENEFILTS LLC | SUITE 1320 310-330 GRANT STREET PITTSBURGH, PA 15219 | CIGNA HEALTH AND LIFE INS. CO. AND AFFILIATES | $6K | $0 | $6K | 3.28% |
| RICHARD D BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $89 | $5K | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.07% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET PITTSBURGH, PA 15219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.02% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $159 | $2K | 1.77% |
| JOHN BEATTY3 Filed as: JOHN W BEATTY | 1001 CITY AVE WYNEWOOD, PA 19096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | $0 | $526 | 0.45% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $441 | $62 | $503 | 0.43% |
| MATTHEW T. MATISKO3 Filed as: MATTHEW T MATISKO | C/O MATTHEW MATISKO SPRINGDALE, PA 15144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $0 | $259 | 0.22% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $19 | $126 | 0.11% |
| ANDREW BOYD3 | 902 NATURE RUN ROAD LIGONIER, PA 15658 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.10% |
| JOHN A WENSLOW3 | 11400 CARTER RD ALBION, PA 16401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $0 | $97 | 0.08% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.05% |
| LISA M BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $5 | $53 | 0.05% |
| DEEANN GREENE-MARSZALEK3 | 409 N 20TH STREET WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.03% |
| 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 | $9 | $3 | $12 | 0.01% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET PITTSBURGH, PA 15219 | THE PAUL REVERE LIFE INSURANCE COMPANY | $207 | $0 | $207 | 23.90% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $138 | $50 | $188 | 21.71% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 2.08% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.58% |
| PARRISH J PEACHEE3 | 136 NORTH UNION STREET WESTFIELD, IN 46074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.58% |
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 | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INS. CO. AND AFFILIATES | 670 | $173K |
| Vision | VISION BENEFITS OF AMERICA | 624 | $42K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 190 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.