| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | THE HARTFORD LIFE INSURANCE COMPANY | $10K | $2K | $11K | 7.21% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 3.67% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 13.50% |
| MICHAEL H FLEMING3 Filed as: MICHAEL HENRY FLEMING | 3331 PINEWOOD ROAD NORTH HUNTINGTON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.68% |
| DANIEL HAYDEN3 | 2553 RAYMOND AVENUE LATROBE, PA 15650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $837 | $0 | $837 | 2.84% |
| BRITTANY FINGER3 | 802 FOUR MILE RUN ROAD LIGONIER, PA 15658 | CONTINENTAL AMERICAN INSURANCE COMPANY | $371 | $0 | $371 | 1.26% |
| VANESSA K KOSTIC3 Filed as: VANESSA KOSTIC | 12 CASTLE VIEW DRIVE MCKEES ROCKS, PA 15136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $299 | $0 | $299 | 1.01% |
| CHARLES BRITT BERRIER JR3 Filed as: CHARLES BRITT BERRIRER JR | 640 CEDAR LANE CANA, VA 24317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.22% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 10.00% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 363 | $80K |
| Vision | VISION BENEFITS OF AMERICA | 152 | $19K |
| Life insurance | THE HARTFORD LIFE INSURANCE COMPANY | 207 | $159K |
| Short-term disability | THE HARTFORD LIFE INSURANCE COMPANY | 207 | $159K |
| Long-term disability | THE HARTFORD LIFE INSURANCE COMPANY | 207 | $159K |
| Other(2 contracts, 2 carriers) | THE HARTFORD LIFE INSURANCE COMPANY | 207 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.