| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK | $39K | — | $39K | 1.47% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK | $8K | — | $8K | 1.47% |
| CHAMBERS INSURANCE AGENCY3 | 33 N MAIN STREET WASHINGTON, PA 15301 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 5.16% |
| CHAMBERS INSURANCE AGENCY3 | 33 N MAIN STREET WASHINGTON, PA 15301 | VISION BENEFITS OF AMERICA | $729 | — | $729 | 3.00% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 1,031 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,053 | $323K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 284 | $36K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,053 | $323K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,053 | $323K |
| Prescription drug | HIGHMARK | 1,032 | $554K |
| Other | AETNA LIFE INSURANCE COMPANY | 1,053 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,053 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.