| 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 | 2.39% |
| JAMES D THOMAS3 | 715 LARKSPUR WAY PICKERINGTON, OH 43147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $884 | $884 | 2.09% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $805 | $805 | 1.90% |
| MICHAEL W BOYER3 | 7587 HONDA HILLS RD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $189 | $189 | 0.45% |
| NICK WISDA3 | 2196 TOWNSHIP RD 55 NEVADA, OH 44849 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $150 | $150 | 0.35% |
| DAVID B HAHN3 Filed as: DAVID HAHN | 121 BECKETT COURT ST CLAIRSVILLE, OH 43950 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $75 | $75 | 0.18% |
| FARMERS CAPITAL INS CORPORATION3 | 200 EAST MAIN ST STE 300 GEORGETOWN, KY 40324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $22 | $22 | 0.05% |
| 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% |
| 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 | 13.89% |
| KHS BENEFITS LLC3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $3K | $3K | 8.83% |
| STACY PATRICK3 | 19 PHYLLIS DRIVE IMPERIAL, PA 15126 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $2K | $2K | 6.17% |
| KAYLA A SADLER3 | 2154 SWALLOW HILL RD PITTSBURGH, PA 15220 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $798 | $798 | 2.77% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $328 | $328 | 1.14% |
| SMITH BENEFITS CONSULTING GROUP3 Filed as: SMITH BENEFITS CONSULTING GROUP LLC | 810 RIVER AVE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $219 | $219 | 0.76% |
| KAYLIE A LING3 | 810 RIVER AVE STE 230A PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $152 | $152 | 0.53% |
| SAMANTHA ANN BAILEY3 Filed as: SAMANTHA BAILEY | 4273 ELDERSVILLE RD COLLIERS, WV 26035 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $95 | $95 | 0.33% |
| NOELLE M KUCERA3 | 400 SCOTT HOLLOW ROAD BURGETTSTOWN, PA 15021 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $23 | $23 | 0.08% |
| JOHN WOOLISCROFT3 | 256 MABRICK AVE APT 2 PITTSBURGH, PA 15228 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $4 | $4 | 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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 93 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.