| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | — | $59K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34K | $34K | 5.78% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL INSURANCE COMPANY | $32K | — | $32K | 9.00% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 4.60% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $4K | — | $4K | 3.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL INSURANCE COMPANY | $3K | $2K | $5K | 4.16% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL INSURANCE COMPANY | $4K | — | $4K | 2.99% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL INSURANCE COMPANY | $3K | — | $3K | 2.40% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.91% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.14% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT RD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $55 | $563 | 1.27% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DR PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $16 | $293 | 0.66% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | 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% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $503 | $2K | 5.38% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.98% |
| FIRST COMMONWEALTH INS AGCY INC3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.90% |
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 | 1,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 975 | $593K |
| Vision | VISION BENEFITS OF AMERICA | 939 | $134K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,465 | $393K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE COMPANY | 1,203 | $398K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,361 | $231K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE COMPANY | 295 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,465 | — |
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.