| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE | $20K | — | $20K | 3.82% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | AFLAC | — | — | $0 | 0.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY | $538 | — | $538 | 5.96% |
| NATIONAL UNITED BROKERS3 Filed as: NATIONAL UNITED BROKERS INC. | 4151 EXECUTIVE PARKWAY SUITE 210 WESTERVILLE, PA 43081 | AETNA LIFE INSURANCE COMPANY | $224 | — | $224 | 2.48% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $353 | — | $353 | 5.00% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSOM BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED CONCORDIA COMPANIES, INC. | $3K | — | $3K | 52.73% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE | 180 | $526K |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 145 | $5K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 128 | $7K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 292 | $41K |
| Short-term disability | AFLAC | 0 | $32K |
| Long-term disability | AFLAC | 0 | $32K |
| Prescription drug | AETNA LIFE INSURANCE | 180 | $526K |
| Other(2 contracts, 2 carriers) | AFLAC | 292 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.