| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CSC INSURANCE PROFESSIONALS, INC.3 Filed as: CSC INSURANCE OPTIONS | 4552 ROUTE 51 SOUTH ROSTRAVER TOWNSHIP, PA 15012 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.82% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | — | $376 | 2.36% |
| DANIEL SLATER3 | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 1.89% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURG, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 1.03% |
| DAVID E HAUCK3 | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.18% |
| WILLIAM E GOOD3 | 545 TOM SAWYER ROAD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| BRETT HARSH3 | PO BOX 1391 WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CSC INSURANCE PROFESSIONALS, INC.3 Filed as: CSC INSURANCE OPTIONS | 4552 ROUTE 51 SOUTH ROSTRAVER TOWNSHIP, PA 15012 | VISION BENEFITS OF AMERICA | $720 | — | $720 | 6.31% |
| CSC INSURANCE PROFESSIONALS, INC.3 Filed as: CSC INSURANCE PROFESSIONALS | 4552 ROUTE 51 SOUTH ROSTRAVER TOWNSHIP, PA 15012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.13% |
| CSC INSURANCE PROFESSIONALS, INC.3 Filed as: CSC INSURANCE PROFESSIONALS | 4552 ROUTE 51 SOUTH ROSTRAVER TOWNSHIP, PA 15012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $156 | — | $156 | 6.20% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $98K |
| Vision | VISION BENEFITS OF AMERICA | 138 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $98K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $98K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 236 | $109K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.