Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Creative Benefits Inc LifeSTD | LifeSTD | |
Broker: Creative Benefits Inc Dental | Dental |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 2 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 306 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 306 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: United of Omaha Life Insurance Company | |
Carrier: Guardian | |
Carrier: Guardian | |
Carrier: Guardian |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Direct payment from the plan; Other services; Contract Administrator Service code 13 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $89K |
| LAWRENCE C MUSGROVE ASSOCIATES EIN 54-0759756 NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 1769 SALEM, VA 24153 | $33K |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 NONE | Direct payment from the plan; Claims processing Service code 12 | 10 HUDSON YARDS NEW YORK, NY 10001 | $18K |
| ALAN ROSS & COMPANY PC EIN 20-5367494 NONE | Direct payment from the plan Service code 50 | 10 HEARTHSTONE COURT READING, PA 19606 | $11K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | 501 WISCONSIN AVE, NW WASHINGTON, DC 20015 | $9K |
| FOSTER & FOSTER EIN 23-1631375 NONE | Other services; Actuarial; Direct payment from the plan Service code 11 | 1136 HAMILTON STREET ALLENTOWN, PA 18101 | $8K |
| BERKSHIRE ASSET MANAGMENT NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 46 PUBLIC SQUARE SUITE 700 WILKES-BARRE, PA 18701 | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
2 contacts
11 filings · 2015 to 2025