| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 152223602 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $958 | $3K | 3.41% |
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA RD SUITE 160 PITTSBURGH, PA 152413953 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.73% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.68% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.29% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.77% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.80% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | VISION BENEFITS OF AMERICA | $461 | — | $461 | 3.69% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $163 | — | $163 | 1.31% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $388 | — | $388 | 8.03% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $192 | — | $192 | 3.97% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $77K |
| Vision | VISION BENEFITS OF AMERICA | 234 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $67K |
| Stop-loss / reinsurancereinsurance | UPMC HEALTH BENEFITS | 303 | $151K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.