| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DRIVE WASHINGTON, PA 15301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $12K | $23K | 23.39% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE PITTSBURGH, PA 15222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $2K | $18K | 18.99% |
| MJ INSURANCE3 Filed as: TERESA FOULTZ AND VARIOUS AGENTS | 1877 LEALAND AVENUE POLAND, OH 44514 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $3K | $14K | 13.89% |
| DONNA TROXELL3 | 526 SCAIFE ROAD SEWICKLEY, PA 15143 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $7K | $11K | 10.98% |
| SHAMROCK SYNERGY SOLUTIONS LLC3 Filed as: SHAMROCK SYNERGY SOLUTIONS | 600 OHIO RIVER BOULEVARD SEWICKLEY, PA 15143 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.18% |
| BRANDON MARTYN3 | PO BOX 40 WEST ELIZABETH, PA 15088 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 4.18% |
| DAVID RUSSELL3 | 228 CAROL DRIVE NEW ALEXANDRIA, PA 15670 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 49.89% |
| TIMOTHY BIRDSONG3 Filed as: TIMOTHY G. BIRDSONG | 302 FIELDBROOK DRIVE WASHINGTON, PA 15301 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 26.33% |
| DAVID C POTTER3 Filed as: DAVID POTTER | 235 ELIZABETH AVENUE EAST PITTSBURGH, PA 15112 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.12% |
| DAVID W OTTINGER3 Filed as: DAVID W. OTTINGER | 111 CURRY HILL ROAD LEMONT FURNACE, PA 15456 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.72% |
| DAVID RUSSELL3 | 625 BUSH ROAD NEW ALEXANDRIA, PA 15670 | TRANSAMERICA LIFE INSURANCE COMPANY | $962 | $0 | $962 | 1.72% |
| TREVOR J. PHILLIPS AND OTHER AGENTS3 | 6400 C STREET SW CEDAR RAPIDS, IA 52499 | TRANSAMERICA LIFE INSURANCE COMPANY | $903 | $0 | $903 | 1.62% |
| DONNA I TROXELL3 Filed as: DONNA I. TROXELL | 269 MARSH HOLLOW ROAD CROSS FORK, PA 17729 | TRANSAMERICA LIFE INSURANCE COMPANY | $360 | $0 | $360 | 0.64% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS CORPORATION | 232 | $0 |
| Vision | AMERITAS CORPORATION | 232 | $0 |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 272 | $153K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 272 | $97K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 272 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
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.