| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $238 | $6K | 5.07% |
| COURY HEALTH SERVICES LLC3 | 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.59% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $65 | $2K | 1.94% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $945 | $669 | $2K | 1.29% |
| NANCY L BEATTY3 | 33 OVERVIEW DR GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $444 | $0 | $444 | 0.36% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $124 | $419 | 0.34% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | $19 | $324 | 0.26% |
| MATTHEW T. MATISKO3 Filed as: MATTHEW T MATISKO | C/O MATTHEW MATISKO SPRINGDALE, PA 15144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $0 | $235 | 0.19% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.04% |
| LISA M BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.04% |
| DEEANN GREENE-MARSZALEK3 | 409 N 20TH ST WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.03% |
| JOHN A WENSLOW3 | 11400 CARTER RD ALBION, PA 16401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.02% |
| BRANDON MARCELLO CENTO3 | 7060 OAKBAY DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $6 | $18 | 0.01% |
| ALLISON HARRIS3 | 36 SHADY VALLEY DRIVE CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| PARRISH J PEACHEE3 | 109 N UNION STREET WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| COURY HEALTH SERVICES LLC3 | 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | THE PAUL REVERE LIFE INSURANCE COMPANY | $51 | $0 | $51 | 3.89% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 1.37% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.53% |
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 | 496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INS. CO. AND AFFILIATES | 655 | $170K |
| Vision | VISION BENEFITS OF AMERICA | 597 | $40K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 189 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.