| 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 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Direct payment from the plan; Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $1.4M |
| XPYRIA INVESTMENT ADVISORS EIN 25-1590035 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 420 FORT DUQUESNE BLVD, SUITE 600 PITTSBURGH, PA 15222 | $75K |
| FOUR M CONSULTING EIN 25-1873283 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | $72K |
| COLLEEN D. SIMMONS EIN 25-1002501 EMPLOYEE | Employee (plan) Service code 30 | 351 NORTHGATE CIRCLE, SUITE B NEW CASTLE, PA 16105 | $71K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Other services; Direct payment from the plan Service code 49 | ROUTE 70 AND CUTHBERT BOULEVARD CHERRY HILL, NJ 08002 | $43K |
| DINA L. JANNETTI EIN 25-1002501 EMPLOYEE | Employee (plan) Service code 30 | 351 NORTHGATE CIRCLE, SUITE B NEW CASTLE, PA 16105 | $36K |
| 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 | $25K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| ALBANESE SINCHAR SMITH & CO. NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 12875 ROUTE 30, SUITE 22 NORTH HUNTINGDON, PA 15642 | $12K |
| PHOENIX BENEFITS GROUP, INC. EIN 20-0294810 NONE | Direct payment from the plan; Actuarial Service code 11 | 4232 BROWNSVILLE ROAD PITTSBURGH, PA 15227 | $6K |
| SEGAL SELECT INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $2K |
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 | 2,412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,135 | $489K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 645 | $73K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,174 | $1.5M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 645 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,174 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.