| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S&T EVERGREEN INSURANCE LLC3 Filed as: EVERGREEN INSURANCE ASSOCIATES | 196 INDUSTRIAL PARK DR PO BOX 505 EBENSBURG, PA 15931 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.91% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA ST LAUREL PLACE INDIANA, PA 15701 | HIGHMARK CASUALTY INSURANCE COMPANY | $11K | — | $11K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 1.28% |
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 | 1,020 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 1,044 | $166K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 996 | $292K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 996 | $292K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 830 | $178K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 996 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,044 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.