| 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 | $40K | — | $40K | 7.77% |
| ACRISURE LLC3 | 6307 84TH ST SE CALEDONIA, MI 49316 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 3.30% |
| COWDEN ASSOCIATES INC3 | 444 LIBERTY AVE FOUR GATEWAY CTR, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| COWDEN ASSOCIATES INC3 | 444 LIBERTY AVE FOUR GATEWAY CENTER, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| COWDEN ASSOCIATES INC3 | 444 LIVERTY AVE FOUR GATEWAY CTR, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $783 | — | $783 | 10.00% |
| COWDEN ASSOCIATES INC3 | 444 LIBERTY AVE FOUR GATEWAY CTR, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $558 | — | $558 | 10.00% |
| COWDEN ASSOCIATES INC3 | 444 LIBERTY AVE FOUR GATEWAY CTR, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $469 | — | $469 | 10.01% |
| COWDEN ASSOCIATES INC3 | 444 LIBERTY AVE FOUR GATEWAY CTR, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $411 | — | $411 | 10.01% |
| COWDEN ASSOCIATES INC3 | 444 LIBERTY AVE FOUR GATEWAY CTR, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $353 | — | $353 | 9.99% |
| COWDEN ASSOCIATES INC3 | 444 LIBERTY AVE FOUR GATEWAY CENTER, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $123 | — | $123 | 9.98% |
| COWDEN ASSOCIATES INC3 | 444 LIBERTY AVE FOUR GATEWAY CTR, STE 1900 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | — | $68 | 10.04% |
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 | 1,085 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,616 | $512K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,616 | $512K |
| Other(10 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,616 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,616 | — |
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.