| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114K | $0 | $114K | 16.95% |
| BRIAN W PATTEN3 | 121 BUCKTHORN RD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | $0 | $30K | 4.52% |
| NICOLE GOLDEN3 Filed as: NICOLE D GOLDEN | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 3.31% |
| BRIAN W PATTEN3 | 121 BUCKTHORN RD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 3.23% |
| HEATHER M BARTLEY3 | 302 BEAVER CT WEXFORD, PA 15090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.25% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.25% |
| MATTHEW RYAN KIRKWOOD3 Filed as: MATTHEW R KIRKWOOD | 742 ADDIS ST NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.71% |
| DIANNE M MACINNIS3 | 14 NEAL ROAD DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.62% |
| MELISSA L COLEMAN3 | 28803 DIAMONDHEAD ST MONTGOMERY, TX 77356 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.60% |
| HEIDI A HERDMAN3 | 105 CHERRY HILL DR APT 221 BEVERLY, MA 01915 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.56% |
| STEVEN MCGEORGE3 | 4658 WALNUT AVENUE CHINO, CA 91710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.51% |
| SUZANNE MCFARLAND3 | 1125 SETH ST CORPUS CHRISTI, TX 78418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.41% |
| CATHERINE ANN MCLERNON3 Filed as: CATHERINE A MCLERNON | 2503 JACKSON SQUARE CIRCLE KISSIMMEE, FL 34741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.40% |
| STACY R RODGERS3 | 2318 MEMORIAL PKWY PORTLAND, TX 78374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.34% |
| RHONDA A DRESNER3 | 114 BURLINGTON ST WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.29% |
| MICHAEL JOSEPH PEPIN3 Filed as: MICHAEL J PEPIN | 31 BLOSSOM LN DRACUT, MA 01826 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.16% |
| RHONDA A DRESNER3 | 114 BURLINGTON ST WOBURN, MA 01801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $980 | $0 | $980 | 0.15% |
| CHRISTOPHER C FEAZEL3 | 150A ANDOVER STREET STE 12C DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $752 | $0 | $752 | 0.11% |
| JAMES M REDMOND3 | 637 E 1ST ST UNIT C1 BOSTON, MA 02127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $678 | $0 | $678 | 0.10% |
| TIMOTHY ADAM BARR3 Filed as: TIMOTHY A BARR | 28 SONGBIRD RD TRABUCO CANYON, CA 92679 | CONTINENTAL AMERICAN INSURANCE COMPANY | $623 | $0 | $623 | 0.09% |
| JOSEPH MORGAN3 Filed as: JOSEPH MARTAUS | 61 AINSWOOD AVE WHEELING, WV 26003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $605 | $0 | $605 | 0.09% |
| MARIA C CUNHA3 | 43 WASHINGTON ST GROVELAND, MA 01834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $547 | $0 | $547 | 0.08% |
| GILBERT M ELIZONDO3 | 6817 PRINCESS JEAN CORPUS CHRISTI, TX 78414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $529 | $0 | $529 | 0.08% |
| JOE A RODGERS3 | 4646 CORONA DR SUITE 210 CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $529 | $0 | $529 | 0.08% |
| TINA WAY3 Filed as: TINA M KANE | 15 BOW ROAD WAYLAND, MA 01778 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | $0 | $412 | 0.06% |
| CHRISTINA M NORDENFLYCHT DARBY3 | 2459 N BRIGHTON ST BURBANK, CA 91504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $360 | $0 | $360 | 0.05% |
| TIMOTHY ALLAN PURCELL3 Filed as: TIMOTHY A PURCELL | 1094 WINDMEADOWS RD COLLEGE STATION, TX 77845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | $0 | $298 | 0.04% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | $0 | $287 | 0.04% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | $0 | $269 | 0.04% |
| HEIDI A HERDMAN3 | 150A ANDOVER ST DANERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | $0 | $252 | 0.04% |
| MARIANNE E SULLIVAN3 Filed as: MARIANNE SULLIVAN | 305 WATERFORD COURT CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | $0 | $177 | 0.03% |
| MARIA C CUNHA3 | 150A ANDOVER ST STE 12C GROVELAND, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | $0 | $143 | 0.02% |
| JAYDE F HARFORD3 | 253 SOUTH MT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | $0 | $131 | 0.02% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H JOBE | 8421 EVERGREEN DR SAGAMORE HILLS, OH 44067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | $0 | $111 | 0.02% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, STE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.02% |
| JAYDE F HARFORD3 | 253 SOUTH MT VERNON AVE UNIONTOWN, PA 15401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | $0 | $87 | 0.01% |
| CARLES ANTONELL GRIERA3 | 4926 MISSION AVE UNIT 2311 DALLAS, TX 75206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.01% |
| LEAH BERNADETTE ARCIAGA3 Filed as: LEAH B ARCIAGA | 2807 ROSEFINCH NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 0.01% |
| SUSAN LYNN STEVENSON3 Filed as: SUSAN L STEVENSON | 9134 WILD TRAILS ST SAN ANTONIO, TX 78250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.01% |
| CHRISTOPHER C FEAZEL3 | 33 CONANT STREET DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.01% |
| RAVI P DESAI3 | 258 UPLAND RD APT #1 CAMBRIDGE, MA 02140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.01% |
| KEITH A DEAN3 | 1900 WILDFLOWER CIRCLE 202 WASHINGTON, PA 15301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.01% |
| VICTOR N DARBY3 | 2459 N BRIGHTON ST BURBANK, CA 91504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.01% |
| MELISSA L COLEMAN3 | 605 WINDING RIDGE LN ROCKWALL, TX 75032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.00% |
| ABEL RIOS3 | 2815 NINOVAN LN MINOOKA, IL 60447 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.00% |
| JOSEPH W CALABRO SR3 Filed as: JOSEPH W CALABRO | 2120 RIDGE DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.00% |
| MARIA C CUNHA3 | 43 WASHINGTON ST GROVELAND, MA 01834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.00% |
| JEFFREY P LEONE3 | 41 PLUMTREE CIRCLE SPRINGFIE LD, MA 01118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.00% |
| FREDDIE BOYKIN3 Filed as: FREDDIE L BOYKIN | 28711 STONE FOX DR SPRING, TX 77386 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.00% |
| LUCAS S PATTEN3 | 201 STOCKTON RDG APT 201 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, STE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BRANDI L DONLIN3 | 810RIVER AVE STE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LUKE A SILVEIRA3 | 1525 BEECHVIEW AVE PITTSBURGH, PA 152163335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| JASMINE MARTIN3 | 97 N SPRAGUE ST COLDWATER, MI 49036 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $8K | $17K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $7K | $15K | 5.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $6K | $13K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-NE | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 10.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE #401 BOSTON, MA 02199 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 5.60% |
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 | 3,728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,865 | $105K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,888 | $294K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,183 | $237K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,183 | $270K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,888 | $966K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,888 | — |
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.