| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL STREET, SUITE 405 PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 7.63% |
| DOMMICK J. LACARIA JR.3 | 110 BETHANY DRIVE MCMURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.09% |
| MICHELLE REEDER3 | 25 WEST 3RD STREET SUITE 701 WILLIAMSPORT, PA 17701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.14% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS LLC AND OTHER AGENTS | 17802 TERRANOVA WEST DRIVE SPRING, TX 77379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.49% |
| CLARIBEL L LOZA3 Filed as: CLARIBEL L. LOZA | 131 EAST EXCHANGE, SUITE 128 FORT WORTH, TX 76164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $877 | $0 | $877 | 2.18% |
| WAYNE UZARSKI3 | 104 VISTA DRIVE CANONSBURG, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $740 | $0 | $740 | 1.84% |
| LISA N. BATES3 | 6 BAYOU POINTE DRIVE HOUSTON, TX 77063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $689 | $0 | $689 | 1.71% |
| JEFFREY CORREAL3 Filed as: JEFFREY S. CORREAL | 253 SOUTH MONUT VERNON AVENUE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | $0 | $447 | 1.11% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 317 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 117 | $102K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $102K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $102K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
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.