| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMORROWS EMPLOYMENT CONCEPTS LLC3 Filed as: TOMORROWS EMPLOYMENT CONCEPTS | 180 SWINDERMAN RD STE 400 WEXFORD, PA 15090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $5K | 6.28% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $360 | $599 | $959 | 1.12% |
| KURT A. SCHWEIGER3 | 180 SWINDERMAN RD #600 WEXFORD, PA 15090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $513 | — | $513 | 1.37% |
| TOMORROWS EMPLOYMENT CONCEPTS LLC3 Filed as: TOMORROWS EMPLOYMENT CONCEPTS | 180 SWINDERMAN RD STE 400 WEXFORD, PA 15090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $377 | — | $377 | 1.15% |
| TOMORROW'S EMPLOYMENT CONCEPTS LLC Filed as: TOMORROW'S ENPLOYMENT CONCEPTS LLC | 180 SWINDERMAN ROAD SUITE 400 WEXFORD, PA 15090 | HIGHMARK INC | $16K | — | $16K | 82.07% |
| DIGITAL INSURANCE LLC3 | 200 GALLAEIA PKWY #1950 ATLANTA, GA 30339 | HIGHMARK INC | $7K | — | $7K | 33.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 CLAIMS PROCESSOR | Claims processing Service code 12 | SUITE 1033 TEAM B 120 FIFTH AVENUE PLACE PITTSBURGH, PA 15090 | $85K |
| UPMC BENEFIT MANAGEMENT SERVICES EIN 25-1769564 CLAIMS PROCESSOR | Claims processing Service code 12 | US STEET TOWER 600 GRANT STREET PITTSBURGH, PA 15219 | $8K |
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 | 209 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 383 | $20K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $85K |
| Vision | HIGHMARK INC | 383 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 232 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $38K |
| Prescription drug | HIGHMARK INC | 383 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.