| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9021 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $936 | $5K | 10.85% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502218 | METROPOLITAN LIFE INSURANCE COMPANY | $777 | $785 | $2K | 3.32% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGY INC | 654 PHILADELPHIA ST INDIANA, PA 157013930 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.30% |
| EMERSON REID LLC | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC. | $14K | — | $14K | — |
| FIRST COMMONWEALTH INSURANCE AGENCY | 654 PHILADELPHIA ST INDIANA, PA 15701 | HIGHMARK INC. | $10K | — | $10K | — |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 143 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $47K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $47K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $47K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $47K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $47K |
| Prescription drug | HIGHMARK INC. | 143 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.