| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $6K | $33K | 6.02% |
| DRB EMPLOYEE BENEFIT SERVICES, INC.3 | 2400 OXFORD DRIVE, SUITE 414 BETHEL PARK, PA 15102 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | STANDARD INSURANCE COMPANY | $12K | $3K | $14K | 3.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $7K | $7K | 1.85% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS, INC | 920 FORT DUQUESNE BOULEVARD PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $16 | $0 | $16 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $907 | $0 | $907 | 14.99% |
| WILLIAM K LIEBERMAN3 Filed as: WILLIAM K. LIEBERMAN | UNKNOWN PITTSBURGH, PA 15222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 2.07% |
| GREYHAVENS CONSULTING LLC3 | 1313 EAST MAPLE STREET BELLINGHAM, WA 98225 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 2.00% |
| RICHARD D BRYER3 Filed as: RICHARD D. BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 1.00% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.73% |
| MTN ST EMPLOYEE BNFTS AND OTHERS3 | 103 6TH AVENUE ST. ALBANS, WV 25177 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.53% |
| DEEANN GREENE-MARSZALEK3 | 409 NORTH 20TH STREET WIERTON, WV 26062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.40% |
| JOHN BEATTY3 Filed as: JOHN W. BEATTY | 1001 CITY AVENUE WYNEWOOD, PA 19096 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.27% |
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 | 1,004 | 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) | 1,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,516 | $546K |
| Vision | VISION BENEFITS OF AMERICA | 696 | $73K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,004 | $403K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,004 | $402K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,004 | $402K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,004 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,516 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.