| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK CASUALTY INSURANCE COMPANY | $57K | — | $57K | 10.00% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 12.84% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 1 NORTH SHORE CENTER PITTSBURGH, PA 15212 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | -$7 | — | -$7 | -0.01% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | -$17 | — | -$17 | -0.02% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 17.70% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $132 | $4K | 9.61% |
| FIRST NATIONAL INSURANCE AGENCY3 | 1 NORTHSHORE, STE 405 12 FEDERAL STREET PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.99% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $204 | $3K | 8.72% |
| FIRST NATIONAL INSURANCE AGENCY3 | 1 NORTHSHORE, STE 405 12 FEDERAL STREET PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.92% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $66 | $4K | 20.94% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $265 | $2K | 12.58% |
| FIRST NATIONAL INSURANCE AGENCY3 | 1 NORTHSHORE, STE 405 12 FEDERAL STREET PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $990 | — | $990 | 5.40% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | ONE NORTH SHORE CENTER SUITE 405 PITTSBURGH, PA 15205 | HIGHMARK | $72 | — | $72 | 0.46% |
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 |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 393 | $96K |
| Vision | HIGHMARK | 342 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $32K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 77 | $41K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 184 | $568K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.