| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK, INC. | $25K | $0 | $25K | 0.77% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER INC. | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK, INC. | $24K | $0 | $24K | 0.76% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON AND SMELZER IN | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 15211 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.90% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 15211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $473 | $4K | 6.94% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 15211 | HM LIFE INSURANCE COMPANY | $963 | $0 | $963 | 3.00% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 15211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $198 | $4K | 15.82% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 15211 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $386 | $2K | 12.00% |
| TJS INSURANCE GROUP3 | 1301 GRANDVIEW AVENUE SUITE 400 PITTSBURGH, PA 15211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $993 | $0 | $993 | 15.00% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 657 | $3.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 114 | $19K |
| Vision | HM LIFE INSURANCE COMPANY | 505 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $82K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 326 | $112K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 326 | $112K |
| Prescription drug | HIGHMARK, INC. | 657 | $3.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.
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.