| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK INC. | $56K | $0 | $56K | 1.53% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.83% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSON AND SMELZER | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.86% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $525 | $8K | 9.71% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $542 | $5K | 11.17% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSON AND SMELZER | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HM LIFE INSURANCE COMPANY | $935 | $0 | $935 | 3.00% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $226 | $1K | 12.01% |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 703 | $3.6M |
| Dental(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 158 | $58K |
| Vision | HM LIFE INSURANCE COMPANY | 484 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $84K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 342 | $115K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 342 | $115K |
| Prescription drug | HIGHMARK INC. | 703 | $3.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.