| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE, SUITE 605 PITTSBURGH, PA 15222 | HARTFORD LIFE AND ACCIDENT | $147K | $11K | $158K | 24.38% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE, SUITE 605 PITTSBURGH, PA 15222 | HIGHMARK CASUALITY INSURANCE COMPANY | $33K | — | $33K | 6.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | FIFTH AVENUE PLACE 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $618K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | ONE DELTA DRIVE MECHANICSBURG, PA 17055 | $34K |
| UPMC HEALTH PLAN EIN 25-1769564 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 600 GRANT STREET PITTSBURGH, PA 15219 | $5K |
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 | 584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 162 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 471 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,139 | $649K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,139 | $649K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,139 | $649K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALITY INSURANCE COMPANY | 552 | $498K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,139 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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.