| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK, INC. | $108K | $0 | $108K | 2.83% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.02% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK, INC. | $1K | $0 | $1K | 8.79% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $302 | $0 | $302 | 3.57% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK, INC. | $415 | $0 | $415 | 8.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS COORDINATORS CORPORATION EIN 25-1453488 NONE | Direct payment from the plan; Claims processing Service code 12 | TWO ROBINSON PLAZA PITTSBURGH, PA 15205 | $116K |
| MORGAN, LEWIS, BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | 1701 MARKET STREET PHILADELPHIA, PA 19103 | $82K |
| HMB SERVICES, INC. NONE | Direct payment from the plan; Claims processing Service code 12 | — | $70K |
| TEAM SCOTTI EIN 25-1816353 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 100 STANWIX STREET PITTSBURGH, PA 15222 | $11K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 7,069 | $3.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 181 | $8K |
| Vision(2 contracts) | HIGHMARK, INC. | 6,698 | $16K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 245 | $88K |
| Stop-loss / reinsurancereinsurance | HIGHMARK LIFE INSURANCE COMPANY | 3,576 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,069 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.