| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONDINO ASSOCIATES LLC3 Filed as: LONDINO ROSS ASSOCIATES | 1750 WATERLEAF DRIVE SEWICKLEY, PA 15143 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.05% |
| LONDINO ASSOCIATES LLC3 Filed as: LONDINO ROSS ASSOCIATES LLC | 4033 ROSEMONTE DR. ALLISON PARK, PA 15101 | RELIANCE STANDARD LIFE INS CO | $6K | — | $6K | 10.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | — | $5K | 18.14% |
| LONDINO ASSOCIATES LLC3 Filed as: LONDINO GROUP LLC | 1750 WATERLEAF DRIVE SEWICKLEY, PA 15143 | HM LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LONDINO ASSOCIATES LLC3 | 4033 ROSEMONTE DR. ALLISON PARK, PA 15101 | RELIANCE STANDARD LIFE INS CO | $2K | — | $2K | 8.25% |
| LONDINO ASSOCIATES LLC3 | 4033 ROSEMONTE DR. ALLISON PARK, PA 15101 | RELIANCE STANDARD LIFE INS CO | $3K | — | $3K | 13.73% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $130K |
| Vision | HM LIFE INSURANCE COMPANY | 124 | $27K |
| Life insurance | RELIANCE STANDARD LIFE INS CO | 156 | $57K |
| Short-term disability | AFLAC | 39 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INS CO | 91 | $20K |
| Other | RELIANCE STANDARD LIFE INS CO | 128 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.