| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 15211 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 5.02% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 13.23% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVE STE 400 PITTSBURGH, PA 152111205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $364 | $5K | 17.64% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 15211 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 12.60% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | VISION BENEFITS OF AMERICA | $828 | — | $828 | 4.99% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE, STE 400 PITTSBURGH, PA 15211 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 13.03% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER JOHNSTON & SMELZER | 1301 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | VISION BENEFITS OF AMERICA | $292 | — | $292 | 5.00% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | VISION BENEFITS OF AMERICA | $283 | — | $283 | 5.00% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | VISION BENEFITS OF AMERICA | $104 | — | $104 | 4.98% |
| TUCKER JOHNSTON & SMELZER INC3 | 1301 GRANDVIEW AVENUE PITTSBURGH, PA 15211 | VISION BENEFITS OF AMERICA | $96 | — | $96 | 4.98% |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(5 contracts) | VISION BENEFITS OF AMERICA | 121 | $32K |
| Life insurance(5 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 291 | $175K |
| Long-term disability(4 contracts) | AETNA LIFE INSURANCE CO. | 291 | $148K |
| Other(4 contracts) | AETNA LIFE INSURANCE CO. | 291 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.