| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY INC | 654 PHILADELPHIA ST INDIANA, PA 15701 | UNITED CONCORDIA INSURANCE COMPANY | $11K | $0 | $11K | 6.52% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY INC | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.11% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY INC | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 25.00% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 5.00% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY INC | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY INC | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.11% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $941 | $136 | $1K | 16.55% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $314 | $0 | $314 | 4.83% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $87 | $1K | 22.41% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $346 | $0 | $346 | 6.90% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY INC | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $130 | $0 | $130 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $136K |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 552 | $165K |
| Vision | VISION BENEFITS OF AMERICA | 195 | $25K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $65K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.