| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES B. WALL3 | SIX PPG PLACE, SUITE 600 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 7.00% |
| JAMES B. WALL3 | SIX PPG PLACE, SUITE 600 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PA PUBLIC EMPLOYEES CN 13 OF AFSCME EIN 23-7250572 EMPLOYER ORGANIZATION | Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $261K |
| BENECARD SERVICES INC. EIN 22-2998772 | Claims processing; Direct payment from the plan Service code 12 | — | $89K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-7360639 | Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| BUCHBINDER TUNICK & COMPANY, LLP EIN 13-1578842 AUDITOR FOR EMPL ORG. | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $36K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 | Claims processing; Direct payment from the plan Service code 12 | — | $25K |
| KIRSCHNER AND GARTRELL EIN 23-2113863 ATTY FOR EMPL. ORG. | Legal; Direct payment from the plan Service code 29 | — | $20K |
| CONRAD M. SIEGEL, INC. EIN 23-1669823 ACTUARY FOR EMP. ORG. | Direct payment from the plan; Actuarial Service code 11 | — | $6K |
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 | 5,242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | STANDARD INSURANCE COMPANY | 0 | $66K |
| Long-term disability | STANDARD INSURANCE COMPANY | 849 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.