| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN MCCONNELL & ASSOCIATES INC3 Filed as: SUSAN MCCONNELL & ASSOCIATES INC. | 2540 NEW BUTLER ROAD, STE 102 NEW CASTLE, PA 16101 | HIGHMARK INC. | $38K | — | $38K | 2.53% |
| CONSORTIO, LLC3 Filed as: CONSORTIO LLC | 212 MAIN STREET PO BOX 507 RIDGWAY, PA 15853 | HIGHMARK INC. | $26K | — | $26K | 1.73% |
| SUSAN MCCONNELL & ASSOCIATES INC3 | 2540 NEW BUTLER ROAD, STE 102 NEW CASTLE, PA 16101 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 12.90% |
| ROBERT E STEWART JR3 | PO BOX 728 GREENSBURG, PA 15601 | DEARBORN LIFE INSURANCE COMPANY | — | $259 | $259 | 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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 130 | $1.5M |
| Dental | HIGHMARK INC. | 130 | $1.5M |
| Vision | HIGHMARK INC. | 130 | $1.5M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 141 | $9K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 141 | $9K |
| Prescription drug | HIGHMARK INC. | 130 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.