| 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 | $53K | — | $53K | 10.00% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $5K | $40K | 11.42% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $5K | $34K | 10.53% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $3K | $24K | 11.61% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 3.00% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $14K | 19.21% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGCY | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.35% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 13.82% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGCY | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.23% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 16.68% |
| RICHARD D BRYER3 Filed as: RICHARD D. BRYER | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $24 | $2K | 5.00% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.01% |
| LISA M BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | — | $626 | 1.49% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIR PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $8 | $432 | 1.02% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| RDM ENROLLMENT SOLUTIONS LLC3 | 308 WARRENDALE RD WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 1,353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $68K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 850 | $530K |
| Vision | VISION BENEFITS OF AMERICA | 827 | $116K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,436 | $416K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,177 | $369K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,305 | $203K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,436 | — |
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.