| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | HIGHMARK CASUALTY INSURANCE COMPANY | $61K | — | $61K | 10.00% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.76% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | HIGHMARK CASUALTY INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing; Direct payment from the plan Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $835K |
| UPMC HEALTH PLAN EIN 25-1769564 NONE | Claims processing; Direct payment from the plan Service code 12 | 600 GRANT STREET PITTSBURGH, PA 15219 | $101K |
| FOUR M CONSULTING EIN 25-1873283 NONE | Consulting (general); Direct payment from the plan Service code 16 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | $63K |
| COLLEEN D. SIMMONS EIN 25-1002501 EMPLOYEE | Employee (plan) Service code 30 | 351 NORTHGATE CIRCLE, SUITE B NEW CASTLE, PA 16105 | $60K |
| XPYRIA INVESTMENT ADVISORS EIN 25-1590035 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 420 FORT DUQUESNE BLVD, SUITE 600 PITTSBURGH, PA 15222 | $56K |
| DINA L. JANNETTI EIN 25-1002501 EMPLOYEE | Employee (plan) Service code 30 | 351 NORTHGATE CIRCLE, SUITE B NEW CASTLE, PA 16105 | $30K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Direct payment from the plan; Other services Service code 49 | ROUTE 70 AND CUTHBERT BOULEVARD CHERRY HILL, NJ 08002 | $28K |
| C.J. PANAGULIAS & CO. EIN 25-1252908 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 127 ANDERSON STREET PITTSBURGH, PA 15212 | $22K |
| JUBELIRER, PASS & INTRIERI, P.C. EIN 25-1340770 NONE | Legal; Direct payment from the plan Service code 29 | 219 FORT PITT BOULEVARD PITTSBURGH, PA 15222 | $18K |
| DEVERSON & TANACK EIN 25-1320431 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 1121 BOYCE ROAD, 500 PITTSBURGH, PA 15241 | $8K |
| PHOENIX BENEFITS GROUP, INC. EIN 20-0294810 NONE | Direct payment from the plan; Actuarial Service code 11 | 4232 BROWNSVILLE ROAD PITTSBURGH, PA 15227 | $6K |
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 | 1,490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 2,424 | $541K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 712 | $81K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HIGHMARK CASUALTY INSURANCE COMPANY | 1,188 | $665K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 712 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,424 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.