| 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 | $6K | $51K | $57K | 7.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $749 | $749 | 1.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.69% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.21% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | $0 | $323 | 1.31% |
| JOSHUA B PATTEN3 Filed as: JOSHUA B. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | $0 | $221 | 0.90% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | $0 | $164 | 0.67% |
| MITCHELL D ELLIOTT3 Filed as: MITCHELL D. ELLIOT AND OTHER AGENTS | 353 WEST 4TH STREET CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.34% |
| JONATHAN DAVID BESWARICK3 Filed as: JONATHAN D. BESWARICK | 250 ESTATES DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.22% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 159 | $815K |
| Dental | AETNA LIFE INSURANCE COMPANY | 159 | $815K |
| Vision | AETNA LIFE INSURANCE COMPANY | 159 | $815K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $70K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $70K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $70K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 159 | $815K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.