| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 100 FEDERAL STREET PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 7.60% |
| DOMINICK J LACARIA JR3 Filed as: DOMINICK J. LACARIA, JR. | 140 ORCHARD DRIVE CANONSBURG, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.26% |
| CLARIBEL L LOZA3 Filed as: CLARIBEL L. LOZA | 131 EAST EXCHANGE, SUITE 128 FORT WORTH, TX 76164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $432 | $0 | $432 | 1.35% |
| WAYNE UZARSKI3 | 902 1ST STREET, SUITE 1 CANONSBURG, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $362 | $0 | $362 | 1.13% |
| MJ INSURANCE3 Filed as: MICHAEL ANDERS AND VARIOUS AGENTS | 17802 TERRANOVA WEST DRIVE SPRING, TX 77379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $361 | $0 | $361 | 1.13% |
| MICHELLE REEDER3 | 25 WST 3RD STREET, SUITE 701 WILLIAMSPORT, PA 17701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $350 | $0 | $350 | 1.10% |
| LISA N. BATES3 | 6 BAYOU POINTE DRIVE HOUSTON, TX 77063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $302 | $0 | $302 | 0.95% |
| JEFFREY CORREAL3 Filed as: JEFFREY S. CORREAL | 253 SOUTH MOUNT VERNON AVENUE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | $0 | $214 | 0.67% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 305 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 123 | $77K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $77K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $77K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 123 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.