| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KHS BENEFITS LLC3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.87% |
| STACY PATRICK3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 5.28% |
| KAYLA A SADLER3 | 2154 SWALLOW HILL ROAD PITTSBURGH, PA 15220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.94% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.24% |
| SMITH BENEFITS CONSULTING GROUP3 Filed as: SMITH BENEFITS CONSULTING GROUP LLC | 810 RIVER AVE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $652 | $0 | $652 | 0.68% |
| SAMANTHA ANN BAILEY3 Filed as: SAMANTHA VILGA | 4273 ELDERSVILLE RD COLLIERS, WV 26035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $435 | $0 | $435 | 0.46% |
| WESBANCO INSURANCE SERVICES INC3 Filed as: WESBANCO INSURANCE SERVICES | 1350 EARL COVE ROAD MORGANTOWN, WV 26505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 12.72% |
| NOELLE M KUCERA3 | 400 SCOTT HOLLOW ROAD BURGETTSTOWN, PA 15021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.11% |
| JOHN WOOLISCROFT3 | 256 MABRICK AVE APT 2 PITTSBURGH, PA 15228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.09% |
| KHS BENEFITS LLC3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.03% |
| HEALTH CARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR COURT LEWIS CENTER, OH 43035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $457 | $2K | 1.69% |
| WESBANCO INSURANCE SERVICES INC3 | 1350 EARL CORE RD MORGANTOWN, WV 26505 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.47% |
| JAMES R THOMAS SR3 Filed as: JAMES THOMAS | 5451 ST ANDREWS DRIVE WESTERVILLE, OH 43082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $160 | $1K | 1.47% |
| MICHAEL W BOYER3 Filed as: MICHAEL BOYER | 7587 HONDA HILLS RD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $247 | $1 | $248 | 0.28% |
| NICK WISDA3 | 2196 TOWNSHIP ROAD 55 NEVADA, OH 44849 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.22% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 Filed as: MOUNTAIN STATE EMPLOYEE BENEFITS LL | 103 SIXTH AVE ST ALBANS, WV 25177 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $0 | $97 | 0.11% |
| DAVID B HAHN3 Filed as: DAVID HAHN | 121 BECKETT COURT ST CLAIRSVILLE, OH 43950 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 0.11% |
| MICHAEL WALSH3 | 3105 W COURTLAND STREET APT 1 CHICAGO, IL 60647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.03% |
| FARMERS CAPITAL INSURANCE CORP3 Filed as: FARMERS CAPITAL INSURANCE CORPORATI | PO BOX 309 FRANKFORT, KY 40602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.02% |
| KEVIN D HOWELL3 | 60 W COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| DEBRA L OLSON3 | 6909 PORTOBELLO DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KS 40522 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 153 | $458K |
| 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."
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.