| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESBANCO INSURANCE SERVICES INC3 | 1350 EARL CORE RD MORGANTOWN, WV 26505 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.87% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR COURT LEWIS CENTER, OH 43035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $242 | $2K | 1.75% |
| JAMES R THOMAS SR3 Filed as: JAMES THOMAS | 5451 ST ANDREWS DRIVE WESTERVILLE, OH 43082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $94 | $2K | 1.72% |
| MICHAEL WALSH3 | 3105 W COURTLAND STREET APT. 1 CHICAGO, IL 60647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $419 | $0 | $419 | 0.44% |
| MICHAEL W BOYER3 | 7587 HONDA HILLS RD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $335 | $0 | $335 | 0.35% |
| NICK WISDA3 | 2196 TOWNSHIP ROAD 55 NEVADA, OH 44849 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $273 | $14 | $287 | 0.30% |
| DAVID B HAHN3 Filed as: DAVID HAHN | 121 BECKETT COURT ST CLAIRSVILLE, OH 43950 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $0 | $155 | 0.16% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 Filed as: MOUNTAIN STATE EMPLOYEE BENEFITS LI | 103 6TH AVENUE ST ALBANS, WV 25177 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.12% |
| FARMERS CAPITAL INSURANCE CORP3 Filed as: FARMERS CAPITAL INSURANCE CORPORATI | PO BOX 309 FRANKFORT, KY 40602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.02% |
| ROBERT WALSH3 | 3805 N FREEMONT STREET CHICAGO, IL 60613 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| KEVIN D HOWELL3 | 60 W COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| DEBORAH L. OLSON3 Filed as: DEBORAH L OLSON | 6909 PORTOBELLA DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| M PART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WESBANCO INSURANCE SERVICES INC3 | 1350 EARL COVE RD MORGANTOWN, WA 26505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 9.51% |
| KHS BENEFITS LLC3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 7.23% |
| KAYLA A SADLER3 | 2154 SWALLOW HILL ROAD PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.37% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.36% |
| SAMANTHA ANN BAILEY3 Filed as: SAMANTHA VILGA | 4273 ELDERSVILLE RD COLLIERS, WV 26035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $579 | $0 | $579 | 0.61% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC AT WORK HOUSEACCOUNT | 400 LAUREL STREET COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $507 | $0 | $507 | 0.53% |
| NOELLE M KUCERA3 Filed as: NOELLE KUCERA | 400 SCOTT HOLLOW ROAD BURGETTSTOWN, PA 15021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.11% |
| JOHN WOOLISCROFT3 | 256 MABRICK AVE APT 2 PITTSBURGH, PA 15228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| LHS BENEFITS LLC3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(5 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 153 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.