| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121K | $0 | $121K | 30.88% |
| BRIAN W PATTEN3 | 120 MARGUERI TE DRIVE, STE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51K | $0 | $51K | 13.12% |
| DISCOVER THE POWER LLC3 | 7909 CONCORD HILLS DRIVE STE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 4.48% |
| HEATHER M BARTLEY3 | 120 MARGUERI TE DRIVE STE 101 CRANBERRY, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 2.65% |
| RHONDA A DRESNER3 | 114 BURLINGTON ST WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 2.31% |
| HEIDI A HERDMAN3 | 150A ANDOVER ST DANERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.37% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.33% |
| MATTHEW RYAN KIRKWOOD3 Filed as: MATTHEW R KIRKWOOD | 742 ADDIS ST NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.32% |
| KEITH A DEAN3 | 1900 WILDFLOWER CIRCLE WASHINGTON, PA 15301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.79% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.39% |
| MARIA C CUNHA3 Filed as: MARIA C TUSINSKI | 150A ANDOVER ST STE 12C GROVELAND, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.39% |
| JENNIFER L DANN3 | PO BOX 1205 FORESTHILL, CA 95631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.35% |
| ABEL RIOS3 | 223 N NINTH ST APT 103 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $966 | $0 | $966 | 0.25% |
| LUKE A SILVEIRA3 | UNKNOWN UNKNOWN, MA 00000 | CONTINENTAL AMERICAN INSURANCE COMPANY | $504 | $0 | $504 | 0.13% |
| KATRINA LEVENDOSKI3 | 55 A STREET BEAVER, PA 15009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | $0 | $266 | 0.07% |
| JOSEPH W CALABRO SR3 Filed as: JOSEPH W CALABRO | 2120 RIDGE DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | $0 | $222 | 0.06% |
| TANISHIA J SKIPPER2 | 443 HARKNESS RD JACKSON, GA 30233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | $0 | $217 | 0.06% |
| JOSEPH MORGAN3 Filed as: JOSEPH MARTAUS | 61 AINSWOOD AVE WHEELING, WV 26003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | $0 | $188 | 0.05% |
| MIDICI INSURANCE SERVICES LLC3 Filed as: MIDICI INSURANCE SERVICE LLC | 300 E ESPLANAD A DR STE 1220 OXNARD, CA 93036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | $0 | $147 | 0.04% |
| DE VITA B MCKENZIE3 Filed as: DE-VITA B MCKENZIE | 289 S BURTON AVE SAN GABRIEL, CA 91776 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | $0 | $147 | 0.04% |
| ALICIA CLIFTON3 | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.01% |
| BRANDI L DONLIN3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.00% |
| PATRICK JOHN CALABRO3 Filed as: PATRICK J CALABRO | 2120 RIDGE DR MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.00% |
| NATE L SMITH3 | 120 MARGUERI TE DR CRANSBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $15K | $24K | 8.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $10K | $15K | 9.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $9K | $13K | 8.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $2K | $12K | 9.15% |
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 | 3,262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 861 | $130K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,765 | $282K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 801 | $157K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 804 | $161K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,765 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,765 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.