| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURA LYNN SCHEEREN3 | 114 BAYBERRY DRIVE SARVER, PA 16055 | HIGHMARK, INC. | $61K | $0 | $61K | 1.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $24K | $0 | $24K | 7.96% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $0 | $8K | $8K | 2.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $8K | 3.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 139 MARKET AVENUE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.87% |
| KATIE D DUER3 Filed as: KATIE D. DUER | 2801 SOUTH MEDINA LINE ROAD WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $933 | $0 | $933 | 2.01% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 1225 WASHINGTON PIKE, SUITE 301 BRIDGEVILLE, PA 15017 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 10.03% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 585 | $4.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 592 | $212K |
| Vision | HIGHMARK, INC. | 585 | $4.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 412 | $301K |
| Short-term disability | STANDARD INSURANCE COMPANY | 412 | $301K |
| Long-term disability | STANDARD INSURANCE COMPANY | 412 | $301K |
| Prescription drug | HIGHMARK, INC. | 585 | $4.3M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 412 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.