| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY FINANCIAL SERVICES3 | MANOR OAK TWO, SUITE 800 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | HIGHMARK | $38K | — | $38K | 3.87% |
| LIBERTY FINANCIAL SERVICES3 | 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $468 | $3K | 5.95% |
| DAN DESTEFANO3 | 128 GOLF VIEW DRIVE MCMURRAY, PA 15317 | VISION BENEFITS OF AMERICA | $976 | — | $976 | 5.21% |
| DAN DESTEFANO3 | 128 GOLFVIEW DRIVE MCMURRAY, PA 15317 | SUNLIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 8.30% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $628 | $628 | 4.97% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 316 | $993K |
| Dental(2 contracts, 2 carriers) | HIGHMARK | 316 | $1.0M |
| Vision | VISION BENEFITS OF AMERICA | 342 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $49K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $49K |
| Prescription drug | HIGHMARK | 316 | $993K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
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.