| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DRB EMPLOYEE BENEFIT SERVICES, INC.3 | 2400 OXFORD DRIVE, SUITE 414 BETHEL PARK, PA 15102 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $4K | $34K | 6.62% |
| DRB EMPLOYEE BENEFIT SERVICES, INC.3 | 2400 OXFORD DRIVE, SUITE 414 BETHEL PARK, PA 15105 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 1.11% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 2.88% |
| DARRYL R. BLECHER3 | 2400 OXFORD DRIVE, SUITE 414 BETHEL PARK, PA 15104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $632 | $0 | $632 | 9.22% |
| GREYHAVENS CONSULTING LLC3 Filed as: GREYHAVENS CONSULTING, LLC | 1313 EAST MAPLE STREET BELLINGHAM, WA 98225 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 2.05% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.68% |
| WILLIAM K LIEBERMAN3 Filed as: WILLIAM K. LIEBERMAN | UNKNOWN PITTSBURGH, PA 15222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.63% |
| RICHARD D BRYER3 Filed as: RICHARD D. BRYER | 2135 RIDGE ROAD GREENBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.44% |
| DEEANN GREENE-MARSZALEK3 | 409 NORTH 20TH STREET WEIRTON, WV 26062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.40% |
| MERRICK D. SWENSON3 | 11104 SOUTH GARDNER ROAD CHENEY, WA 99004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.16% |
| MT. ST. EMP. BEN. AND OTHER AGENTS3 | 103 6TH AVENUE SAINT ALBANS, WV 25177 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.07% |
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 | 645 | 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) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,212 | $507K |
| Vision | VISION BENEFITS OF AMERICA | 458 | $59K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 645 | $441K |
| Short-term disability | STANDARD INSURANCE COMPANY | 645 | $437K |
| Long-term disability | STANDARD INSURANCE COMPANY | 645 | $437K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 877 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,212 | — |
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.