| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESBANCO INSURANCE SERVICES INC3 | 1350 EARL CORE RD MORGANTOWN, OH 26505 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.72% |
| JAMES D THOMAS3 | 715 LARKSPUR WAY PICKERINGTON, OH 43147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.34% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.14% |
| DAVID B HAHN3 | 121 BECKETT COURT ST CLAIRSVILLE, OH 43950 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $320 | $320 | 0.65% |
| MICHAEL W BOYER3 | 7587 HONDA HILLS ROAD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $245 | $245 | 0.50% |
| NICK WISDA3 | 2196 TOWNSHIP RD 55 NEVADA, OH 44849 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $179 | $179 | 0.37% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 Filed as: MOUNTAIN STATE EMPLOYEE BENEFITS LI | 103 6TH AVE ST ALBANS, WV 25177 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $56 | $56 | 0.11% |
| FARMERS CAPITAL INS CORPORATION3 | PO BOX 309 FRANKFORT, KY 60602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $22 | $22 | 0.04% |
| KEVIN D HOWELL3 | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $9 | $9 | 0.02% |
| MIKE TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $5 | $5 | 0.01% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 0.01% |
| DEBORAH L. OLSON3 Filed as: DEBORAH L OLSON | 24555 US HIGHWAY 331 S SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 0.01% |
| MARGARET C TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| WESBANCO INSURANCE SERVICES INC3 Filed as: WESBANCO INSURANCE SERVICES | 1350 EARL COVE ROAD MORGANTOWN, WV 26505 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $4K | $4K | 13.56% |
| STACY PATRICK3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $3K | $3K | 10.42% |
| KHS BENEFITS LLC3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $1K | $1K | 4.18% |
| KAYLA A SADLER3 | 2154 SWALLOW HILL ROAD PITTSBURGH, PA 15220 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $847 | $847 | 2.81% |
| LTING GROUP LLC SMITH BENEFITS CONS3 Filed as: LTING GROUP SMITH BENEFITS CONS | 810 RIVER AVE SUITE 230 SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $306 | $306 | 1.02% |
| KAYLIE A LING3 Filed as: KAYLIE SMITH | 810 RIVER AVE STE 230A PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $231 | $231 | 0.77% |
| LTING GROUP LLC SMITH BENEFITS CONS3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $152 | $152 | 0.50% |
| SAMANTHA ANN BAILEY3 Filed as: SAMANTHA BAILEY | 4273 ELDERSVILLE RD COLLIERS, WV 26035 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $87 | $87 | 0.29% |
| JOHN WOOLISCROFT3 | 256 MABRICK AVE APT 2 PITTSBURGH, PA 15228 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $30 | $30 | 0.10% |
| NOELLE M KUCERA3 | 400 SCOTT HOLLOW ROAD APT 2 BURGETTSTOWN, PA 15021 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $20 | $20 | 0.07% |
| KHS BENEFITS LLC3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $9 | $9 | 0.03% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KS 40522 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | — | — | $0 | — |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(5 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 105 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.