| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC1 | 444 LIBERTY AVE STE 605 PITTSBURGH, PA 152221222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 9.83% |
| DANIEL P. STEPHANS3 Filed as: DANIEL P STEPHANS | 201 PENN CTR BLVD STE 525 PITTSBURGH, PA 15235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$23 | — | -$23 | -0.02% |
| COWDEN ASSOCIATES INC1 | 444 LIBERT AVE STE 605 PITTSBURGH, PA 152221222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.69% |
| UNITED BENEFIT ADVISORS LLC1 Filed as: UNITED BENEFIT ADVISORS INC | STE 1900 FOUR GATEWAY CTR 444 LIBERTY AVE INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
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 | 2,135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,613 | $271K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,613 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,613 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.