| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCLAIN GROUP LLC3 Filed as: MCCLAIN GROUP, LLC | 526 SCAIFE RD. SEWICKLEY, PA 15143 | RELIASTAR LIFE INSURANCE COMPANY | $345K | — | $345K | 37.76% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIASTAR LIFE INSURANCE COMPANY | $245K | — | $245K | 26.78% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | 526 SCAIFE RD. SEWICKLEY HEIGHTS, PA 15143 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 4.49% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 4.10% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | 104 WITHEROW ROAD SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42K | — | $42K | 36.50% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 24.34% |
| DONNA TROXELL3 | 526 SCAIFE RD. SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 2.54% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR. WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $760 | $2K | 1.91% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | 104 WITHEROW ROAD SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 10.10% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 9.51% |
| DONNA TROXELL3 | 526 SCAIFE RD. SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $479 | $719 | 0.92% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR. WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $272 | $512 | 0.66% |
| ROBIN ELLIOTT3 | 10521 PERRY HWY STE 105 WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | — | $456 | 0.58% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 10.15% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | 526 SCAIFE RD. SEWICKLEY, PA 15143 | HUMANA INSURANCE COMPANY | -$133 | — | -$133 | -0.19% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | 526 SCAIFE RD. SEWICKLEY HEIGHTS, PA 15143 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 7.74% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 5.54% |
| THE MCCLAIN GROUP LLC3 | 104 WITHEROW ROAD SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 11.09% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.80% |
| ROBIN ELLIOTT3 | 10521 PERRY HWY STE 105 WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | — | $395 | 0.92% |
| DONNA TROXELL3 | 526 SCAIFE RD. SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $140 | $275 | 0.64% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR. WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $72 | $207 | 0.48% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LEGALPLANS, USA | $6K | — | $6K | 15.00% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HARTFORD FIRE INSURANCE COMPANY | $828 | $276 | $1K | 20.01% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | 104 WITHEROW ROAD SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | — | $519 | 37.99% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | — | $346 | 25.33% |
| DONNA TROXELL3 | 526 SCAIFE RD. SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $18 | $36 | 2.64% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR. WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $9 | $27 | 1.98% |
| THE MCCLAIN GROUP LLC3 Filed as: THE MCCLAIN GROUP, LLC | 104 WITHEROW ROAD SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 37.11% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 24.78% |
| DONNA TROXELL3 | 526 SCAIFE RD. SEWICKLEY, PA 15143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $11 | $21 | 2.62% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR. WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $5 | $15 | 1.87% |
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 | 5,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 115 | $72K |
| Vision(5 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 3,007 | $588K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,556 | $1.2M |
| Short-term disability(6 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,926 | $2.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,033 | $951K |
| Stop-loss / reinsurancereinsurance(4 contracts) | HM LIFE INSURANCE COMPANY | 2,491 | $1.4M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 6,556 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,556 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.