| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN W PATTEN3 | 121 BUCKTHORN RD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | $0 | $50K | 12.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | $0 | $43K | 10.32% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, STE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 4.64% |
| NICOLE GOLDEN3 Filed as: NICOLE D GOLDEN | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.94% |
| HEATHER M BARTLEY3 | 120 MARGUERITE DRIVE STE 101 CRANBERRY, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.29% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.75% |
| MATTHEW RYAN KIRKWOOD3 Filed as: MATTHEW R KIRKWOOD | 742 ADDIS ST NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.74% |
| RHONDA A DRESNER3 | 114 BURLINGTON ST WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.51% |
| JOSEPH MORGAN3 Filed as: JOSEPH MARTAUS | 61 AINSWOOD AVE WHEELING, WV 26003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.25% |
| JAYDE F HARFORD3 | 253 SOUTH MT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $949 | $0 | $949 | 0.23% |
| HEIDI A HERDMAN3 | 150A ANDOVER ST DANERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $881 | $0 | $881 | 0.21% |
| KEITH A DEAN3 | 1900 WILDFLOWER CIRCLE 202 WASHINGTON, PA 15301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $513 | $0 | $513 | 0.12% |
| RHONDA A DRESNER3 | 114 BURLINGTON ST WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $351 | $0 | $351 | 0.08% |
| DAVID S HALLETT2 | 8 BROOKS ST WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $348 | $0 | $348 | 0.08% |
| MARIA C CUNHA3 | 150A ANDOVER ST STE 12C GROVELAND, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | $0 | $311 | 0.07% |
| TANISHIA J SKIPPER3 | 443 HARKNESS RD JACKSON, GA 30233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | $0 | $216 | 0.05% |
| ABEL RIOS3 | 223 N NINTHST APT 103 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 0.03% |
| JENNIFER L DANN3 | PO BOX 1205 FORESTHILL, CA 95631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 0.03% |
| FREDDIE BOYKIN3 Filed as: FREDDIE L BOYKIN | 28711 STONE FOX DR SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | $0 | $88 | 0.02% |
| KATRINA LEVENDOSKI3 | 55 A STREET BEAVER, PA 15009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 0.02% |
| JOSEPH W CALABRO SR3 Filed as: JOSEPH W CALABRO | 2120 RIDGE DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.02% |
| JASMINE MARTIN3 | 97 N SPRAGUE ST COLDWATER, MI 49036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | $0 | $68 | 0.02% |
| CHARLES ANTONELL GRIERA3 | 4926 MISSION AVE UNIT 2311 DALLAS, TX 45206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.02% |
| LUKE A SILVEIRA3 | 1525 BEECHVIEW AVE PITTSBURGH, PA 152163335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.01% |
| LUCAS S PATTEN3 | 201 STOCKTON RDG APT 201 CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 0.01% |
| MARIANNE E SULLIVAN3 Filed as: MARIANNE SULLIVAN | 305 WATERFORD COURT CRANBERRY TWP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.01% |
| ALICIA CLIFTON3 | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| BRANDI L DONLIN3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.00% |
| MIDICI INSURANCE SERVICES LLC3 | 300 E ESPLANADA DR 1220 OXNARD, CA 93036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.00% |
| DE VITA B MCKENZIE3 Filed as: DE-VITA B MCKENZIE | 289 S BURTON AVE SAN GABRIEL, CA 91776 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.00% |
| MARIA C CUNHA3 | 43 WASHINGTON ST GROVELAND, MA 01834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| PATRICK JOHN CALABRO3 Filed as: PATRICK J CALABRO | 2120 RIDGE DR MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $8K | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-NE | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 10.02% |
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 | 3,628 | 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) | 3,634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 744 | $93K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,628 | $212K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $133K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,128 | $194K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,628 | $629K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,628 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.