| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY | $3K | $27K | $29K | 2.88% |
| RICHARD D BRYER3 Filed as: RICHARD D. BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $153 | $3K | 7.86% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $206 | $2K | 6.20% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP, INC. | 891 MENOHER BOULEVARD JOHNSTOWN, PA 15905 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.48% |
| MJ INSURANCE3 Filed as: ASHLEY ELCOCK AND VARIOUS AGENTS | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $919 | $13 | $932 | 2.38% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J.SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $295 | $119 | $414 | 1.06% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $411 | — | $411 | 1.05% |
| JJAN FINANCIAL3 Filed as: THE JJAN FINANCIAL GROUP INC. | PO BOX 197 HOLLIDAYSBURG, PA 16648 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 210 INDUSTRIAL PARK ROAD JOHNSTOWN, PA 15904 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $420 | $4K | 10.64% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 489 | $1.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 489 | $1.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 489 | $1.0M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 186 | $35K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 489 | $1.0M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 186 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.