| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HIGHMARK INC. | $60K | $0 | $60K | 1.57% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.48% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $610 | $9K | 9.66% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $379 | $6K | 10.64% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $128 | $2K | 10.65% |
| TJS INSURANCE GROUP3 | 1301 GRANDVIEW AVENUE SUITE 400, TREMONT PLAZA PITTSBURGH, PA 15211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $236 | $0 | $236 | 14.98% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 221 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 767 | $3.8M |
| Dental(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 166 | $79K |
| Vision | HM LIFE INSURANCE COMPANY | 513 | $35K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $96K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 327 | $123K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 327 | $123K |
| Prescription drug | HIGHMARK INC. | 767 | $3.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.