| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FUHRERS INC3 | PO BOX 111328 PITTSBURGH, PA 15238 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| FUHRERS INC3 Filed as: FUHRERS INC. | PO BOX 111328 PITTSBURGH, PA 15238 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.90% |
| FUHRERS INC3 | PO BOX 111328 PITTSBURGH, PA 15238 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| RICHARD D BRYER3 Filed as: RICHARD BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.62% |
| DEEANN GREENE-MARSZALEK3 | 409 N 20TH ST WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.12% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.12% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| JOHN BEATTY3 | 1001 CITY AVE WYNEWOOD, PA 19096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| NANCY L BEATTY3 | 33 OVERVIEW DR GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.06% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 232 | $1.5M |
| Vision | HIGHMARK | 232 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $50K |
| Prescription drug | HIGHMARK | 232 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.