| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | $9K | $55K | 12.00% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 9.00% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS. AGCY INC. | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 3.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 EAST 21ST STE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $13K | $61K | 62.37% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGCY | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $6K | $26K | 26.73% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 EAST 21ST STE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $5K | $38K | 52.15% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS. AGCY. | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 25.20% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS. AGCY. INC. | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| RICHARD D BRYER3 Filed as: RICHARD D. BRYER | 2135 RIDGE RD GREENSBSURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.83% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.50% |
| LISA M BRYER3 Filed as: LISA M. BRYER | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.76% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 821 WHITEOAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $656 | — | $656 | 1.14% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE ST AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DEEANN GREENE-MARSZALEK3 | 409 N. 20TH ST WEIRTON, WV 26062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RDM ENROLLMENT SOLUTIONS LLC3 | 308 WARRENDALE RD WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 1,190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 757 | $459K |
| Vision | VISION BENEFITS OF AMERICA | 758 | $110K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,283 | $345K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,061 | $370K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,157 | $168K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 243 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,283 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.