| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 129 BROOKSIDE BOULEVARD PITTSBURGH, PA 15241 | HIGHMARK INC. | $27K | $0 | $27K | 2.85% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 MOON TOWNSHIP, PA 15108 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 12.66% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.22% |
| ASSUREDPARTNERS3 | 1301 GRANDVIEW AVENUE, SUITE 400 PITTSBURGH, PA 15211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $771 | $0 | $771 | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $386 | $0 | $386 | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | UNKNOWN PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $127 | $127 | 1.65% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH, LLC | UNKNOWN PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | $0 | $15 | 0.19% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 117 | $932K |
| Dental | HIGHMARK INC. | 117 | $932K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 53 | $8K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $51K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $51K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $51K |
| Prescription drug | HIGHMARK INC. | 117 | $932K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.