| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BBR BENEFITS SOLUTIONS LLC3 | 8150 PERRY HIGHWAY, SUITE 100 PITTSBURGH, PA 15237 | HIGHMARK | $13K | — | $13K | 1.69% |
| BBR BENEFITS SOLUTIONS LLC3 | 8150 PERRY HIGHWAY, SUITE 100 PITTSBURGH, PA 15237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.20% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BOULEVARD OF THE ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.09% |
| BBR BENEFITS SOLUTIONS LLC3 | 8150 PERRY HIGHWAY, SUITE 100 PITTSBURGH, PA 15237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.50% |
| JOHN J. HARFORD, JR.3 | 208 9TH STREET PITTSBURGH, PA 15215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $512 | — | $512 | 3.44% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | $2 | $435 | 2.92% |
| TAMMY A MORGART3 Filed as: TAMMY A. MOGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $1 | $190 | 1.28% |
| JOHN A WENSLOW3 Filed as: JOHN A. WENSLOW | 11400 CARTER ROAD ALBION, PA 16401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.11% |
| MATTHEW T. MATISKO3 | 522 MAPLE AVENUE SPRINGDALE, PA 15144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.09% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.09% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 545 TOM SAWYER ROAD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| DEANNE GREENE-MARSZALEK3 | 409 NORTH 20TH STREET WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.03% |
| ARICK MARTIN3 | 427 SOUTH MEADOWCROFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| LISA M BRYER3 Filed as: LISA M. BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BBR BENEFITS SOLUTIONS LLC3 | 8150 PERRY HIGHWAY, SUITE 100 PITTSBURGH, PA 15237 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CAROSELLA INSURANCE AGENCY LL3 | 3281 LEECHBURG ROAD LOWER BURRELL, PA 15068 | COMBINED INSURANCE COMPANY OF AMERICA | $114 | — | $114 | 2.10% |
| KELLY M. HAMMAN3 | 2400 N MILL STREET NORTH EAST, PA 16428 | COMBINED INSURANCE COMPANY OF AMERICA | $110 | — | $110 | 2.03% |
| FIRST NATIONAL INSURANCE AGENCY3 | 12 FEDERAL STREET, SUITE 405 PITTSBURGH, PA 15212 | COMBINED INSURANCE COMPANY OF AMERICA | $98 | — | $98 | 1.81% |
| SHERIE L KOONTZ3 | 755 HOOVER STREET MONESSEN, PA 15062 | COMBINED INSURANCE COMPANY OF AMERICA | $66 | — | $66 | 1.22% |
| DANIEL B. KING3 | 8176 SHARON MERCER ROAD MERCER, PA 16137 | COMBINED INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 0.76% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK | 91 | $805K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 31 | $28K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $32K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 12 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $12K |
| Prescription drug | HIGHMARK | 91 | $785K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.