| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | SIX PPG PLACE SUITE 400 PITTSBURGH, PA 15222 | HIGHMARK | $91K | $8.8M | $8.9M | 3.27% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM BLUE CROSS LIFE AND HEALTH I | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $5.9M | $5.9M | 5.15% |
| EXPRESS SCRIPTS, INC.3 | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $2.5M | $2.5M | 2.19% |
| CAREMARK3 Filed as: CAREMARK-ARCELORMITTAL | — | CAREMARK-ARCELORMITTAL | $0 | $6.6M | $6.6M | 8.92% |
| ARCELORMITTAL/UNITED STEELWORKERS3 | 4401 DEER PATH ROAD HARRISBURG, PA 17110 | UNITED CONCORDIA COMPANIES, INC. | $200K | $25K | $225K | 3.33% |
| SAGEWELL PARTNERS INC3 Filed as: SAGEWELL PARTNERS, INC. | 1501 REEDSDALE STREET STE 403 PITTSBURGH, PA 15233 | DAVISVISION/HIGHMARK | $69K | $0 | $69K | 5.00% |
| DAVISVISION3 | 175 E. HOUSTON STREET 5TH FLOOR SAN ANTONIO, TX 78205 | DAVIS VISION | $0 | $71K | $71K | 5.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | HARTFORD LIFE AND ACCIDENT | $57K | $16K | $73K | 6.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL DATA SERVICES, INC. EIN 25-1352803 NONE | Contract Administrator Service code 13 | — | $1.2M |
| DIANE PICKLE EIN 23-1317409 NONE | Employee (plan) Service code 30 | — | $89K |
| MARGARET BIBB EIN 23-1317409 NONE | Employee (plan) Service code 30 | — | $69K |
| MORIAH JAMROM EIN 23-1317409 NONE | Employee (plan) Service code 30 | — | $57K |
| ANNE MCFARLAND EIN 23-1317409 NONE | Employee (plan) Service code 30 | — | $48K |
| INNOVEST PORTFOLIO SOLUTIONS EIN 84-1612955 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Consulting fees; Investment advisory (plan); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $47K |
| BREDHOFF & KAISER EIN 52-0969534 NONE | Legal Service code 29 | — | $46K |
| RICHMOND CAPITAL MANAGEMENT EIN 54-1288566 NONE | Investment management Service code 28 | — | $36K |
| MCELHANEY & ASSOCIATES, LLC EIN 38-3806684 NONE | Accounting (including auditing) Service code 10 | — | $35K |
| MILLIMAN INC EIN 91-0675641 NONE | Consulting (general); Actuarial Service code 11 | — | $18K |
| AMERISERV TRUST & FINANCIAL SERVICE EIN 25-1689052 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $16K |
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 | 53,391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 964 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 54,355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HIGHMARK | 47,914 | $461.3M |
| Dental(4 contracts, 3 carriers) | UNITED CONCORDIA COMPANIES, INC. | 28,978 | $7.1M |
| Vision(3 contracts, 3 carriers) | CAREMARK-ARCELORMITTAL | 33,306 | $75.1M |
| Life insurance(2 contracts, 2 carriers) | DAVISVISION/HIGHMARK | 30,841 | $2.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,289 | $1.1M |
| Prescription drug(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 43,383 | $263.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 5,289 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,914 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.