| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN ROAD STE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $53K | $53K | 5.18% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTISBURGH, PA 15222 | UNUM INSURANCE COMPANY | $10K | $1K | $11K | 8.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | SIX PPG PLACE STE 200 PITTSBURGH, PA 15222 | UNUM INSURANCE COMPANY | $4K | — | $4K | 2.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | — | $1K | $1K | 0.83% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTISBURGH, PA 15222 | UNUM INSURANCE COMPANY | $8K | $861 | $9K | 9.34% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE STE 200 PITTSBURGH, PA 15222 | UNUM INSURANCE COMPANY | $6K | — | $6K | 6.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | — | $1K | $1K | 1.33% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNUM INSURANCE COMPANY | $7K | $754 | $8K | 10.96% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE STE 200 PITTSBURGH, PA 15222 | UNUM INSURANCE COMPANY | $4K | — | $4K | 5.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | — | $710 | $710 | 1.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6 PPG PLACE STE 200 PITTSBURGH, PA 15222 | FEDERAL INSURANCE COMPANY | $2K | $124 | $2K | 15.81% |
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 | 1,450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,154 | $179K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $433K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $367K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,192 | $1.0M |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 565 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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.