| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC3 | FOUR GATEWAY CENTER 444 LIBERTY AVE #605 PITTSBURGH, PA 15222 | HARTFORD LIFE AND ACCIDENT | $97K | — | $97K | 20.10% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOICATE INSURANCE | FOUR GATEWAY CENTER 444 LIBERTY AVENUE #1900 PITTSBURGH, PA 15222 | HIGHMARK CASUALTY INSURANCE COMPANY | $26K | — | $26K | 6.70% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC | 444 LIBERTY AVE SUITE 1900 PITTSBURGH, PA 15222 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $27K |
| HIGHMARK EIN 23-1294723 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
| UPMC HEALTH PLAN EIN 25-1769564 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $6K |
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 | 909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 909 | $482K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 909 | $482K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 909 | $482K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 371 | $395K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 909 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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.