| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CSC INSURANCE PROFESSIONALS, INC.3 | 4552 STATE ROUTE 51 SOUTH ROSTRAVER TOWNSHIP, PA 15012 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 9.75% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.08% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $574 | $574 | 0.57% |
| CSC INSURANCE PROFESSIONALS, INC.3 | 4552 ROUTE 51 SOUTH BELLE VERNON, PA 15012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.67% |
| CSC INSURANCE PROFESSIONALS, INC.3 Filed as: CSC INSURANCE OPTIONS | 4552 STATE ROUTE 51 SOUTH ROSTRAVER TOWNSHIP, PA 15012 | VISION BENEFITS OF AMERICA | $609 | $0 | $609 | 5.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 1.72% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, PA 43402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 1.16% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.81% |
| CSC INSURANCE PROFESSIONALS, INC.3 | 4552 ROUTE 51 SOUTH ROSTRAVER TOWNSHIP, PA 15012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.37% |
| MJ INSURANCE3 Filed as: KATI NAIM AND VARIOUS AGENTS | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.25% |
| DAVID E HAUCK3 Filed as: DAVID E. HAUCK | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.17% |
| HENDERSON BROTHERS, INC.3 | UNKNOWN PITTSBURGH, PA 15222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.15% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 191 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $101K |
| Vision | VISION BENEFITS OF AMERICA | 351 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $101K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $101K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $113K |
| Prescription drug | HIGHMARK, INC. | 191 | $1.5M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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 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.