| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILBERTS INSURANCE AGENCY INC3 Filed as: GILBERTS INSURANCE AGENCY, INC. | 30 EAST STATE STREET SHARON, PA 16146 | AETNA LIFE INSURANCE COMPANY | $2K | $12K | $14K | 1.85% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $2K | $11K | $13K | 1.70% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $700 | $711 | $1K | 5.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.65% |
| GILBERTS INSURANCE AGENCY INC3 Filed as: GILBERTS INSURANCE AGENCY, INC. | PO BOX 688 SHARON, PA 16146 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $780 | $0 | $780 | 2.92% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 136 | $738K |
| Dental | AETNA LIFE INSURANCE COMPANY | 136 | $738K |
| Vision | AETNA LIFE INSURANCE COMPANY | 136 | $738K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 88 | $27K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 88 | $27K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 136 | $738K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 88 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.