| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $5K | $54K | $59K | 6.15% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.04% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.36% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $886 | $0 | $886 | 3.59% |
| JOSEPH W CALABRO SR3 Filed as: JOSEPH W. CALABRO AND OTHER AGENTS | 2120 RIDGE DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $411 | $0 | $411 | 1.67% |
| MITCHELL D ELLIOTT3 Filed as: MITCHELL D. ELLIOTT | 353 WEST 4TH STREET CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | $0 | $229 | 0.93% |
| HEATHER M BARTLEY3 Filed as: HEATHER M. BARTLEY | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | $0 | $161 | 0.65% |
| KRISTEN NICOLE WILKINS3 Filed as: KRISTEN N. WILKINS | 315 SCHMIDT LANE LIGONIER, PA 15658 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 0.54% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 159 | $959K |
| Dental | AETNA LIFE INSURANCE COMPANY | 159 | $959K |
| Vision | AETNA LIFE INSURANCE COMPANY | 159 | $959K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $59K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $59K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 159 | $959K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.