| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC3 | FOUR GATEWAY CENTER 444 LIBERTY AVE, STE 605 PITTSBURGH, PA 15222 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 4.35% |
| COWDEN ASSOCIATES INC3 | 444 LIBERTY AVE STE 605 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.04% |
| COWDEN ASSOCIATES INC3 | FOUR GATEWAY CENTER 444 LIBERTY AVE, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $53 | $7K | 17.78% |
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 | 1,831 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,831 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,594 | $518K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,552 | $338K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,594 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,594 | — |
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.