| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 | 1205 MANOR DRIVE MECHANICSBURG, PA 17055 | HIGHMARK | $125K | — | $125K | 1.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2400 E COMMERCIAL BLVD, STE 600 FORT LAUDERDALE, FL 33308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 11.96% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER RISK MGMT. | 500 VICTORY ROAD QUINCY, MA 02171 | ACE AMERICAN INSURANCE COMPANY | $715 | — | $715 | 14.99% |
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 | 744 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 271 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 145 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 1,416 | $9.7M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 570 | $446K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 744 | $410K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 744 | $410K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 744 | $410K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK | 1,416 | $9.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 744 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,416 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.