| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 7.22% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES | FOUR GATEWAY CENTER PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 3.54% |
| ALTANY LOYND & LINDQUIST LLC3 | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $935 | $29 | $964 | 0.73% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $460 | — | $460 | 0.35% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $377 | $6 | $383 | 0.29% |
| LISA M BRYER3 Filed as: LISA MARIE BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.08% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 4 GATEWAY CENTER, 444 LIBERTY AVE PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $394 | $394 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE MIDATLANTIC PARTNERS INS EIN 92-3652116 CONSULTANT | Consulting (general) Service code 16 | — | $61K |
| DICLAUDIO & KRAMER, LLC EIN 27-0889793 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| J.A. TAMSULA, INC. EIN 01-0734478 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $26K |
| STEPHEN J. O'BRIEN & ASSOCIATES,LLC EIN 81-5178933 NONE | Legal Service code 29 | — | $11K |
| PNC BANK EIN 25-1197336 NONE | Custodial (securities); Float revenue Service code 19 | — | $7K |
| HUMAN RESOURCES AMERICA, INC NONE | Consulting (general) Service code 16 | P.O. BOX 8 HOUSTON, PA 15342 | $5K |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 541 | $2.7M |
| Dental | HIGHMARK, INC. | 512 | $161K |
| Vision | HIGHMARK, INC. | 501 | $31K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 348 | $196K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 58 | $131K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 58 | $131K |
| Prescription drug | HIGHMARK INC. | 551 | $907K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.