| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK, INC. | $374K | — | $374K | 3.04% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX STREET PITTSBURGH, PA 15222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $600 | $5K | 1.21% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK, INC. | $3K | — | $3K | 8.02% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK, INC. | $228 | — | $228 | 8.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT COORDINATORS CORPORATION EIN 25-1453488 NONE | Claims processing; Direct payment from the plan Service code 12 | TWO ROBINSON PLAZA PITTSBURGH, PA 15205 | $365K |
| HMB SERVICES, INC. NONE | Direct payment from the plan; Claims processing Service code 12 | — | $152K |
| S. DAVIS & ASSOCIATES, P.A. EIN 65-0719690 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 2521 HOLLYWOOD BOULEVARD HOLLYWOOD, FL 33020 | $87K |
| MORGAN, LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | 1701 MARKET STREET PHILADELPHIA, PA 19103 | $74K |
| TEAM SCOTTI EIN 25-1816350 NONE | Insurance brokerage commissions and fees; Direct payment from the plan Service code 50 | 100 STANWIX STREET PITTSBURGH, PA 15205 | $29K |
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 | 7,122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 7,122 | $12.3M |
| Vision(2 contracts) | HIGHMARK, INC. | 5,350 | $41K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,780 | $427K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 2,690 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,122 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.