| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STALWART INSURANCE LLC3 | 2570 BOYCE PLAZA RD SUITE 160 PITTSBURGH, PA 152413953 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.88% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.54% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | VISION BENEFITS OF AMERICA | $627 | — | $627 | 5.00% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 120 PITTSBURGH, PA 15241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $586 | — | $586 | 12.00% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $95K |
| Vision | VISION BENEFITS OF AMERICA | 238 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $68K |
| Stop-loss / reinsurancereinsurance | UPMC HEALTH BENEFITS | 296 | $142K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.