| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE 4 GATEWAY CENTER, STE 605 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.26% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.55% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.23% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.77% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE 4 GATEWAY CENTER, STE 605 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $667 | — | $667 | 5.38% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $449 | — | $449 | 3.62% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE 4 GATEWAY CENTER, SUITE 1900 PITTSBURGH, PA 15222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $625 | — | $625 | 10.00% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46 | — | $46 | 5.53% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11 | — | $11 | 1.32% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 152223602 | HARTFORD LIFE & ACCIDENT | $14 | — | $14 | 15.56% |
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 | 769 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $67K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $61K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $210K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $174K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 899 | $390K |
| Other(7 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.