| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK, INC. | $552K | $0 | $552K | 3.43% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $93K | $0 | $93K | 9.69% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.43% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK, INC. | $5K | $0 | $5K | 10.18% |
| TEAM SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | HIGHMARK, INC. | $3K | $0 | $3K | 9.31% |
| 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 | $570K |
| HMB SERVICES, INC. NONE | Direct payment from the plan; Claims processing Service code 12 | — | $266K |
| MORGAN, LEWIS, BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | 1701 MARKET STREET PHILADELPHIA, PA 19103 | $90K |
| S. DAVIS & ASSOCIATES, P. A. EIN 65-0719690 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 2521 HOLLYWOOD BLVD. HOLLYWOOD, FL 33020 | $89K |
| TEAM SCOTTI EIN 23-1816353 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 100 STANWIX STREET PITTSBURGH, PA 15222 | $41K |
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 | 6,998 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 6,998 | $16.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 5,919 | $956K |
| Vision(2 contracts) | HIGHMARK, INC. | 6,470 | $84K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 253 | $427K |
| Stop-loss / reinsurancereinsurance | HIGHMARK LIFE INSURANCE COMPANY | 3,658 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,998 | — |
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.