| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C S C INSURANCE PROFESSIONALS INC3 | 4552 ROUTE 51 SOUTH BELLE VERNON, PA 15012 | HIGHMARK INC. | $834 | — | $834 | 0.06% |
| CSC INSURANCE PROFESSIONALS, INC.3 Filed as: CSC INSURANCE PROFESSIONALS INC | 4552 ROUTE 51 SOUTH BELLE VERNON, PA 15012 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | — | $457 | 2.38% |
| HUNTINGDON INSURANCE, INC.3 Filed as: HUNTINGDON INSURANCE INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 1.23% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 1.20% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | ATTN. JAMES STEWART PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.71% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.21% |
| ARICK MARTIN3 | 427 SOUTH MEADOWCROFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| DEEANN GREENE-MARSZALEK3 | 409 NORTH 20TH STREET WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| DAVID E HAUCK3 Filed as: DAVID E. HAUCK | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| CSC INSURANCE PROFESSIONALS, INC.3 Filed as: CSC INSURANCE PROFESSIONALS INC. | 4552 ROUTE 51 SOUTH BELLE VERNON, PA 15012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| CSC INSURANCE PROFESSIONALS, INC.3 Filed as: CSC INSURANCE OPTIONS | 4552 ROUTE 51 SOUTH ROSTRAVER TOWNSHIP, PA 15012 | VISION BENEFITS OF AMERICA | $787 | — | $787 | 5.90% |
| CSC INSURANCE PROFESSIONALS, INC.3 Filed as: CSC INSURANCE PROFESSIONALS INC | 4552 ROUTE 51 SOUTH BELLE VERNON, PA 15012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $210 | — | $210 | 3.46% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 248 | $1.4M |
| Dental | HIGHMARK INC. | 248 | $1.4M |
| Vision | VISION BENEFITS OF AMERICA | 158 | $13K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $79K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $98K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $79K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.