| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EARL LUTTNER GROUP INC3 | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $45K | $47K | 4.24% |
| THE EARL LUTTNER GROUP INC3 | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| THE EARL LUTTNER GROUP INC3 | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $167 | $2K | 11.25% |
| THE EARL LUTTNER GROUP INC3 | 244 BLVD OF THE ALLIES PITTSBUGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $733 | — | $733 | 3.48% |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | $24 | $230 | 1.09% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DR WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $11 | $88 | 0.42% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.09% |
| CBF BENEFITS INC3 | 808 CEDAR AVE PITTSBURGH, PA 15212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.04% |
| THE EARL LUTTNER GROUP INC3 | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.06% |
| THE EARL LUTTNER GROUP INC3 | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.16% |
| THE EARL LUTTNER GROUP INC3 | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $395 | — | $395 | 14.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | — | $0 |
| EARL LUTTNER GROUP BROKER | Other commissions Service code 55 | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | $0 |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $71K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.1M |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $127K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $18K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.