| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE BROKERAGE SERVICES, INC.3 Filed as: ELITE BROKERAGE SERVICES INC. | 72 S. WYOMING AVENUE EDWARDSVILLE, PA 18704 | HIGHMARK DELAWARE | $134K | — | $134K | 2.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | FOUR GATEWAY CENTER 444 LIBERTY AVENUE, STE 505 PITTSBURGH, PA 15222 | HIGHMARK DELAWARE | $14K | — | $14K | 0.26% |
| THE ELITE GROUP LLC3 | 40 GENERAL WARREN BLVD, STE 200 MALVERN, PA 19355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $9K | $43K | 9.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 2.62% |
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 | 716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 1,139 | $5.4M |
| Vision | HIGHMARK DELAWARE | 1,139 | $5.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 716 | $469K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 716 | $469K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 716 | $469K |
| Prescription drug | HIGHMARK DELAWARE | 1,139 | $5.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 716 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.