| 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 | $8K | — | $8K | 4.25% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 0.57% |
| 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 | $1K | $6K | 8.22% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201 | — | $201 | 0.28% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY INC | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $696 | $8K | 18.43% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.25% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 3.66% |
| 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 | $278 | $2K | 11.56% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $842 | — | $842 | 5.14% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY INC | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $920 | $198 | $1K | 10.76% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $321 | — | $321 | 3.09% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $357 | $3K | 40.85% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $836 | $81 | $917 | 13.08% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $990 | $259 | $1K | 21.10% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $330 | $44 | $374 | 6.32% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INS AGENCY INC | 654 PHILADELPHIA ST INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | $17 | $203 | 9.46% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $136 | — | $136 | 6.33% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 593 | $186K |
| Vision | VISION BENEFITS OF AMERICA | 241 | $31K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 392 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 391 | $71K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 257 | $512K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 392 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.