| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $68K | $20K | $88K | 13.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34K | $34K | 4.96% |
| ARCHON LLC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.24% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 9.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $29K | $29K | 7.41% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25K | $25K | 7.31% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 7.26% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $13K | — | $13K | 9.90% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | VISION BENEFITS OF AMERICA | $6K | — | $6K | 5.10% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 7.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 9.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.60% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 9.05% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.90% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.12% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.54% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | — | $309 | 0.79% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 0.62% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOTT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.33% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DRIVE WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $4 | $19 | 0.05% |
| WILLIAM E GOOD3 | 545 TOM SAWYER ROAD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| RDM ENROLLMENT SOLUTIONS LLC3 | 308 WARRENDALE ROAD WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 1,575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,077 | $676K |
| Vision | VISION BENEFITS OF AMERICA | 1,012 | $127K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,604 | $466K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,231 | $424K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,525 | $292K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,604 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,604 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.