| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | 420 WILLIAMS ST WILLIAMSPORT, PA 17701 | AETNA LIFE INSURANCE | $29K | — | $29K | 9.91% |
| HIIG - ELITE UNDERWRITING | P O BOX 849998 DALLAS, TX 752849998 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $146K | — | $146K | 72.48% |
| INDECS CORPORATION5 | 1099 WALL STREET WEST SUITE 317 LYNDHURST, NJ 07071 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $79K | — | $79K | 39.28% |
| AMWINS | PO BOX 845052 LOS ANGELES, CA 900845052 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $47K | — | $47K | 23.60% |
| HEALTHCARE STRAGETIS | PO BOX 37039 BALTIMORE, MD 212973039 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $19K | — | $19K | 9.69% |
| PHCS Filed as: MULTIPLAN | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 100879380 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $10K | — | $10K | 4.78% |
| ENVISION PHARMACEUTICAL SERVICES | 2181 E AURORA RD SUITE 201 TWINSBURG, OH 44087 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $20 | — | $20 | 0.01% |
| JOYCE JOSEPH J ASSOC INC3 Filed as: JOYCE HAGGERTY BELL INSURANCE | 9 N MAIN ST PITTSTON, PA 186401836 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.83% |
| USI INSURANCE SERVICES LLC3 | 420 WILLIAMS ST PO BOX 1087 WILLIAMSPORT, PA 17701 | GUARDIAN | $6K | $4K | $9K | 14.88% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE | 232 | $491K |
| Dental | STEELWORKERS HEALTH & WELFARE FUND | 256 | $144K |
| Vision | STEELWORKERS HEALTH & WELFARE FUND | 256 | $144K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $128K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $128K |
| Long-term disability | GUARDIAN | 257 | $63K |
| Prescription drug | AETNA LIFE INSURANCE | 159 | $290K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE | 232 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.