Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary broker changed. The plan may listen to a new pitch.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 9 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 49,868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,011 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 56,879 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 133,857 | $528.8M |
| Dental(4 contracts, 3 carriers) | HIGHMARK INC. | 133,857 | $538.9M |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC. | 133,857 | $530.3M |
| Life insurance | AMERICAN UNITED INSURANCE COMPANY | 17,473 | $2.1M |
| Short-term disability | AMERICAN UNITED INSURANCE COMPANY | 17,473 | $2.1M |
| Long-term disability | AMERICAN UNITED INSURANCE COMPANY | 17,473 | $2.1M |
| Prescription drug | HIGHMARK INC. | 133,857 | $528.8M |
| Other | AMERICAN UNITED INSURANCE COMPANY | 17,473 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133,857 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH I EIN 95-4331852 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $7.6M |
| HIGHMARK INC. EIN 23-1294723 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5.2M |
| CENTRAL DATA SERVICES, INC EIN 25-1352803 NONE | Contract Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $1.6M |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $447K |
| DIANE PICKLE EIN 23-1317409 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $158K |
| MORIAH JAMROM EIN 23-1317409 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $100K |
| MARGARET BIBB EIN 23-1317409 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $99K |
| INNOVEST PORTFOLIO SOLUTIONS EIN 84-1612955 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $73K |
| WITHUM EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $68K |
| TYLER HOGYA EIN 23-1317409 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| RICHMOND CAPITAL MANAGEMENT EIN 54-1288566 NONE | Investment management; Direct payment from the plan Service code 28 | — | $62K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $59K |
| MARSH MCLENNAN AGENCY EIN 36-2668272 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $45K |
| BREDHOFF & KAISER, PPLC EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| AMERISERV TRUST EIN 25-1689052 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $28K |
| PITTSBURGH POST MASTER ALLEGHENY EIN 41-0760000 NONE | Other services; Direct payment from the plan Service code 49 | — | $19K |
| GALLAGHER FIDUCIARY ADVISORS LLC EIN 36-4291971 NONE | Consulting fees; Direct payment from the plan; Actuarial Service code 11 | — | $15K |
| AMERICAN PRODUCTS, INC. EIN 56-1055541 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $11K |
| DOCUSIGN EIN 91-2183967 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025