| 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 | $0 | $57K | $57K | 4.17% |
| LISA A VALLI-STELIOTES3 | 214 ABBEY BROOK LANE VENETIA, PA 15367 | GUARDIAN | $17K | $0 | $17K | 7.97% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $39 | $1K | 4.90% |
| THE EARL LUTTNER GROUP INC3 | 244 BLVD OF THE ALLIES PITTSBUGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $729 | — | $729 | 2.79% |
| CBF BENEFITS INC3 | 1309 HIDDEN HARBOR RD MYRTLE BEACH, SC 29577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $27 | $320 | 1.23% |
| NORTHWEST ENROLLX LLC3 | 7656 TWP RD. 94 FINDLAY, OH 45840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | — | $268 | 1.03% |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $4 | $154 | 0.59% |
| DAVID ROY CLEVELAND3 | 1604 MEDINA LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $5 | $30 | 0.11% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DR WHEELING, WV 26003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| GLADY R ROWAN3 | 202 W LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHRISTOPHER ALAN DARWIN3 | 4512 LEEDS DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $1.4M |
| Dental | GUARDIAN | 192 | $208K |
| Vision | GUARDIAN | 192 | $208K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 192 | $234K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $26K |
| Long-term disability | GUARDIAN | 192 | $208K |
| Stop-loss / reinsurancereinsurance | GUARDIAN | 192 | $208K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 192 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.