| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CERTIFIED INSURANCE ASSOCIATES3 | 121 NORTH MAIN ST GREENSBURG, PA 15601 | DEARBORN NATIONAL | $6K | — | $6K | 3.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC EIN 23-1294723 ADMINISTRATIVE SERVICES | Claims processing Service code 12 | 120 FIFTH AVE PITTSBURGH, PA 15222 | $243K |
| TRUASSURANCE EIN 36-3757528 ADMINISTRATIVE SERVICES | Claims processing Service code 12 | 400 LYDIA ST SUITE 300 GREENSBURG, PA 15601 | $28K |
| VISION BENEFITS OF AMERICA EIN 25-1149206 ADMINISTRATIVE SERVICES | Claims processing Service code 12 | 40 LYDIA ST SUITE 300 GREENSBURG, PA 15601 | $4K |
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 | 550 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL | 593 | $159K |
| Long-term disability | DEARBORN NATIONAL | 593 | $159K |
| Other | DEARBORN NATIONAL | 593 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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.