| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | FOUR GATEWAY CENTER, SUITE 805 PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $2K | $7K | 12.32% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $522 | $0 | $522 | 0.87% |
| KESSLAK FINANCIAL GROUP3 Filed as: KESSLAK FINANCIAL GROUP, INC. | 891 MENOHER BOULEVARD JOHNSTOWN, PA 15905 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.83% |
| BRYER INSURANCE SERVICES, INC.3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.68% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $35 | $1K | 3.61% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $245 | $0 | $245 | 0.71% |
| RICHARD F DURR3 | 159 COOK ROAD DUBOIS, PA 15801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $0 | $140 | 0.41% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $16 | $83 | 0.24% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $15 | $78 | 0.23% |
| JOHN A WENSLOW3 | 11400 CARTER RD ALBION, PA 16401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.20% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $5 | $67 | 0.20% |
| LANCE A BRADLEY3 Filed as: LANCE A BRAKLEY | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.17% |
| JJAN FINANCIAL3 Filed as: THE JJAN FINANCIAL GROUP INC | 3101 BEALE AVENUE REAR ALTOONA, PA 16601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.16% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | PO BOX 53 HOLLIDAYSBURG, PA 16648 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.12% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.08% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.07% |
| ASHLEY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| BRANDON MARCELLO CENTO3 | 17362 DOVEHOUSE LANE WESTFIELD, IN 46074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $6 | $10 | 0.03% |
| ROGERS BENEFIT GROUP INC3 Filed as: PATRICK MICHAEL ROGERS | 137 CAMELOT CIRCLE CARAOPOLIS, PA 15108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| LISA M BRYER3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| CASEY H EBBERT3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT 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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 261 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 261 | $1.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 261 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 190 | $95K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 33 | $34K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 190 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.