| 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 | 7.79% |
| JAMES B. WALL3 | SIX PPG PLACE, SUITE 600 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 8.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PA PUBLIC EMPLOYEES CN 13 OF AFSCME EIN 23-7250572 EMPLOYER ORGANIZATION | Plan Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $237K |
| BENECARD SERVICES INC. EIN 22-2998772 | Claims processing; Direct payment from the plan Service code 12 | — | $97K |
| PNC BANK N.A. EIN 22-1146430 | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Accounting (including auditing); Direct payment from the plan Service code 10 | — | $83K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-7360639 | Claims processing; Direct payment from the plan Service code 12 | — | $52K |
| BUCHBINDER TUNICK & COMPANY, LLP EIN 13-1578842 AUDITOR FOR EMPL ORG. | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $40K |
| CONRAD M. SIEGEL, INC. EIN 23-1669823 ACTUARY FOR EMP. ORG. | Direct payment from the plan; Actuarial Service code 11 | — | $27K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 | Direct payment from the plan; Claims processing Service code 12 | — | $24K |
| KIRSCHNER AND GARTRELL EIN 23-2113863 ATTY FOR EMPL. ORG. | Legal; Direct payment from the plan Service code 29 | — | $20K |
| ABD ENTERPRISES | Direct payment from the plan; Other services Service code 49 | 2909 WHITEFIELD ROAD CHURCHVILLE, MD 21028 | $18K |
| KENNEDY PRINTING COMPANY, INC EIN 23-1699861 | Direct payment from the plan; Copying and duplicating; Participant communication Service code 36 | — | $11K |
| PHILLIPS GROUP EIN 23-2851393 | Other services; Direct payment from the plan Service code 49 | — | $11K |
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 | 4,951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | STANDARD INSURANCE COMPANY | 871 | $63K |
| Long-term disability | STANDARD INSURANCE COMPANY | 871 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.