| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W VEVA 16 STE BLUE BELL, PA 19422 | HM LIFE INSURANCE COMPANY | $18K | — | $18K | 12.00% |
| ST MARYS INSURANCE AGENCY INC3 Filed as: ST MARYS INSURANCE AGENCY, INC. | 301 DEPOT ST ST MARYS, PA 15857 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.47% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 625 LIBERTY AVENUE 10TH FLOOR PITTSBURGH, PA 15222 | DEARBORN LIFE INSURANCE COMPANY | $198 | — | $198 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ST MARYS INSURANCE AGENCY, INC. 25- | Insurance agents and brokers Service code 22 | — | $22K |
| UNITED CONCORDIA COMPANIES, INC. EIN 23-1661402 INSURANCE CARRIER | Claims processing Service code 12 | FIFTH AVENUE PLACE SUITE P2503 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $6K |
| AON RISK SERVICE CENTRAL, INC. 36-4 | Insurance agents and brokers Service code 22 | — | $3K |
| AON RISK SERVICE CENTRAL, INC. EIN 36-4279204 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 625 LIBERTY AVENUE PITTSBURGH, PA 15222 | $0 |
| ST MARYS INSURANCE AGENCY, INC. EIN 25-0772860 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 301 DEPOT STREET ST MARYS, PA 15857 | $0 |
| HIGHMARK, INC. EIN 23-1294723 INSURANCE CARRIER | Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 152223099 | -$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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 115 | $152K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 139 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.