| 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 | -$1 | $50K | $50K | 4.17% |
| LISA A VALLI-STELIOTES3 | 214 ABBEY BROOK LANE VENETIA, PA 15367 | GUARDIAN | $17K | — | $17K | 8.64% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $315 | $4K | 15.69% |
| THE EARL LUTTNER GROUP INC3 | 244 BLVD OF THE ALLIES PITTSBUGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.18% |
| CBF BENEFITS INC3 | 1309 HIDDEN HARBOR RD MYRTLE BEACH, SC 29577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $90 | $1K | 4.93% |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $19 | $458 | 1.66% |
| DAVID ROY CLEVELAND3 | 1604 MEDINA LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $20 | $102 | 0.37% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.09% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DR WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.07% |
| CHRISTOPHER ALAN DARWIN3 | 4512 LEEDS DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $5 | $8 | 0.03% |
| GLADY R ROWAN3 | 202 W LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.02% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $1.2M |
| Dental | GUARDIAN | 184 | $196K |
| Vision | GUARDIAN | 184 | $196K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 184 | $224K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $28K |
| Long-term disability | GUARDIAN | 184 | $196K |
| Stop-loss / reinsurancereinsurance | GUARDIAN | 184 | $196K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 184 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.