| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 | ONE NORTH SHORE CENTER 12 FEDERAL STREET SUITE 405 PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 6.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK P.O.BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $663 | $663 | 0.60% |
| LOCKTON COMPANIES, LLC3 | 5847 SAN FELIPE STREET SUITE 320 HOUSTON, TX 77057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 8.82% |
| MJ INSURANCE3 Filed as: OCTAVIO CRUZ JR. AND VARIOUS AGENTS | 977 BARKLEY CIRCLE NORMAN, OK 73071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.78% |
| LISA N. BATES3 | SIX BAYOU POINTE DRIVE HOUSTON, TX 77063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.96% |
| DOMINICK J LACARIA JR3 Filed as: DOMINICK J. LACARIA JR. | 110 BETHANY DRIVE MC MURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.62% |
| MICHAEL ANDERS LLC3 | 211 HIGHLAND CROSS DRIVE HOUSTON, TX 77073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $950 | — | $950 | 1.21% |
| DOMINICK J LACARIA3 Filed as: DOMINICK J. LACARIA SR. | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $880 | — | $880 | 1.12% |
| PETER B WILKINSON JR3 Filed as: PETER B. WILKINSON, JR. | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $550 | — | $550 | 0.70% |
| FRISSORA & ASSOCIATES LLC3 Filed as: FRISSORA & ASSOCIATES, LLC | 103 BRADFORD ROAD WEXFORD, PA 15090 | MERITAIN HEALTH | $90K | $63K | $153K | — |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 225 | $0 |
| Dental | MERITAIN HEALTH | 225 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 139 | $110K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 139 | $110K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 139 | $110K |
| Prescription drug | MERITAIN HEALTH | 225 | $0 |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 210 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.