| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMORROW'S EMPLOYMENT CONCEPTS LLC3 Filed as: TOMORROW'S EMPLOYMENT CONCEPTS, LLC | 1000 BROOKTREE ROAD, SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $30K | — | $30K | 3.54% |
| TOMORROWS EMPLOYMENT CONCEPTS LLC3 | 1000 BROOKTREE RD SUITE 300 WEXFORD, PA 15090 | HIGHMARK INC | $28K | — | $28K | 3.48% |
| TOMORROW'S EMPLOYMENT CONCEPTS LLC3 Filed as: TOMORROW'S EMPLOYMENT CONCEPTS, LLC | 1000 BROOKTREE ROAD, SUITE 300 WEXFORD, PA 15090 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 7.38% |
| TOMORROW'S EMPLOYMENT CONCEPTS LLC3 Filed as: TOMORROW'S EMPLOYMENT CONCEPTS, LLC | 1000 BROOKTREE RD SUITE 300 WEXFORD, PA 15090 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $565 | $3K | 9.44% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $743 | — | $743 | 2.33% |
| TOMORROW'S EMPLOYMENT CONCEPTS LLC3 Filed as: TOMORROW'S EMPLOYMENT CONCEPTS, LLC | 1000 BROOKTREE RD SUITE 300 WEXFORD, PA 15090 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $429 | $4K | 12.73% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.82% |
| TOMORROW'S EMPLOYMENT CONCEPTS LLC3 Filed as: TOMORROW'S EMPLOYMENT CONCEPTS, LLC | 1000 BROOKTREE RD SUITE 300 WEXFORD, PA 15090 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $373 | $2K | 9.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $614 | — | $614 | 2.55% |
| TOMORROW'S EMPLOYMENT CONCEPTS LLC3 Filed as: TOMORROW'S EMPLOYMENT CONCEPTS, LLC | 1000 BROOKTREE RD SUITE 300 WEXFORD, PA 15090 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $338 | $3K | 12.77% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $822 | — | $822 | 3.79% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 295 | $1.6M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 260 | $72K |
| Vision | HIGHMARK INC | 295 | $795K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $28K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 295 | $1.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
No prospect flags tripped on this filing.