| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $23 | $4K | 2.37% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENF LLC DBA THREEFLOW | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.25% |
| COURY HEALTH SERVICES LLC3 | 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 8.88% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 7.26% |
| TAMMY A MORGART3 | 13347 DEAN DR NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $131 | $5K | 3.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INCORPORATED | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.57% |
| ALEX MICHAEL PIHAKIS3 | 240 COUNTY LINE RD BRIDGEVILLE, PA 15017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $318 | $2K | 1.13% |
| TREVOR JOSEPH PHILLIPS3 | 23153 SENECA TRL THOMAS, WV 26292 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | $716 | $1K | 0.91% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOTT RD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $373 | $744 | 0.55% |
| ALEXIS FORTE-WADSWORTH3 | 195 HILLCREST DR CALIFORNIA, PA 15419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $601 | $117 | $718 | 0.53% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | $5 | $657 | 0.49% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $332 | $625 | 0.46% |
| GREAT LAKE PERIODICALS INC3 | PO BOX 51 AVON LAKE, OH 44012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $455 | $111 | $566 | 0.42% |
| ROGERS BENEFIT GROUP INC3 Filed as: PATRICK MICHAEL ROGERS | 137 CAMELOT CIR CORAOPOLIS, PA 15108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $157 | $539 | 0.40% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DR BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $488 | $38 | $526 | 0.39% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DR PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $58 | $424 | 0.31% |
| MATTHEW T. MATISKO3 Filed as: MATTHEW T MATISKO | C/O MATTHEW MATISKO SPRINGDALE, PA 15144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.12% |
| DAVID A MYCEK3 | 609 BRIDGESIDE DR AVON LAKE, OH 44012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $4 | $141 | 0.10% |
| ARICK MARTIN3 | 427 S MEADOWCROFT AVE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $14 | $135 | 0.10% |
| PAUL EDWARD KOONTZ3 | 714 VENTURE DR # 134 MORGANTOWN, WV 26508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $83 | $123 | 0.09% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ OIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $29 | $80 | 0.06% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE RD STE 6 NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $5 | $51 | 0.04% |
| RONALD OLIANO3 | 9 LONDON CT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $26 | $51 | 0.04% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.03% |
| DEEANN GREENE-MARSZALEK3 | 409 N 20TH ST WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.02% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.01% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| EDWARD FRANCIS KLINGES3 | 10 BLACKBURN LN HAVERFORD, PA 19041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| COURY HEALTH SERVICES LLC3 | 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 4.21% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $1 | $8 | 2.81% |
| TAMMY A MORGART3 | 13347 DEAN DR NORTH HUNTINGDON, PA 15642 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.35% |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 778 | $188K |
| Vision | VISION BENEFITS OF AMERICA | 656 | $45K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 184 | $135K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 184 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.