| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE AGENCY | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 9.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INSURANCE, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $3K | $3K | 3.77% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $227 | $1K | 7.41% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | — | $626 | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $512 | — | $512 | 2.84% |
| ANDREA BETH HOLSTEIN3 | 5976 PENNINGTON CREEK DRIVE DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $10 | $255 | 1.42% |
| BRYER INSURANCE SERVICES, INC.3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $2 | $236 | 1.31% |
| JOSEPH MCDONALD3 | 12052 PEPPERMILL LANE NW PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | — | $222 | 1.23% |
| JESSICA ERIN BENNETT3 | 140 GALLEY ROAD CANONSBURG, PA 15317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.99% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $7 | $172 | 0.96% |
| JUSTIN J MCDONALD3 | 12052 PEPPERMILL LANE PICKERINGTON, OH 43147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $9 | $107 | 0.59% |
| KENNETH P AMOS3 | 101 ALYSON DRIVE CANONSBURG, PA 15317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.27% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $4 | $18 | 0.10% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DR. PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $6 | $16 | 0.09% |
| CHRISTOPHER MCKEE3 | 311 STONHOPE DRIVE DELAWARE, OH 43015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| BRANDON MARCELLO CENTO3 | 7060 OAKBAY DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE AGENCY | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $934 | — | $934 | 8.01% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $1.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 230 | $76K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 228 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 113 | $78K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 113 | $78K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 113 | $78K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 113 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.